Software for independent insurance agents

An independent agent's admin work sits between the carrier portals. Rating, binding and commissions happen in each carrier's system and in your agency management system, if you have one. What slips is everything around them: the web lead nobody called back, the comparison the client never opened, the homeowners renewal you remembered two weeks late. That's the part SoloWOS covers.

From a quote request to an issued policy

1. A prospect taps the link on your Google Business Profile or in your email signature and fills out your quote request form. Pick "Auto" and it asks for vehicles, drivers and the current carrier; pick "Homeowners" and it asks for the address, the year built and the roof's age. Each submission creates a lead in your pipeline.
2. When they submit, the form sends them to a 20-minute "Coverage review" meeting type on your booking page, by phone or video, with a reminder email 24 hours before.
3. You run the quotes in each carrier's portal or your comparative rater, as you do now, and build one comparison PDF with a page per option: premium, deductibles and limits.
4. Share it with Document Tracking. You see when they open it and, if they accept the tracking prompt, how long they spent on each page. Three minutes on the higher-liability option tells you where to start the call.
5. Record a 4-minute Screen Recording that walks through the options, so the client can watch it with their spouse before deciding.
6. The client completes and signs the carrier's application the way the carrier requires. Once the policy is issued, its renewal goes on your board as a task due 45 days before expiration (pick the lead time that fits your book).

A typical week

• Monday: the renewal board shows nine policies expiring in the next 60 days. You move four to "Remarketing".
• Tuesday: three web leads came in over the weekend. Two already booked a coverage review for Thursday.
• Wednesday: the home and auto comparison for a family has sat unopened for two days. You call instead of waiting.
• Thursday: a client reports a fender bender. You text them the short link to your video on filing a claim with their carrier and open a task to follow up.
• Friday: you log your CE course, your license renewal fee and the week's mileage in Expenses, with receipts.

All 13 tools, one by one

An agent leans on a few of these every day and barely touches others. Here's each one, honestly:

• Link in Bio: one page with your quote request form, your booking page and the claims line of each carrier you write with, for your Facebook page or email signature.
• Short Links: a short link with a QR code for your business card and for the flyer at the dealership or real estate office that refers you; if you swap the form later, the printed code still works.
• Forms: the quote request, with conditional questions by line (auto, homeowners, renters, life, small business). Don't ask for Social Security numbers, driver's license numbers or health details here; those belong in the carrier's application.
• Scheduling: free coverage reviews for prospects and the annual review before each renewal, by phone, video or at your office. Most agents don't charge for these, since the income comes from commission.
• Proposals: barely helps, because the carrier sets the premium. The one case: a separate fee for a service of your own, such as a risk review for a business, and only after you check your state's rules on agent fees.
• E-Signatures: for your own paperwork only, such as a client's authorization for you to request their loss runs or a referral agreement. Carrier applications get signed in the carrier's own system.
• Document Tracking: the tool you'll use most: comparison PDFs, declarations pages and coverage summaries behind a passcode, with an expiration date and an alert when the client opens them.
• Screen Recording: videos up to 5 minutes on Solo explaining a comparison, how a wind/hail deductible works or how to use the carrier's app; you see who watched and how far.
• Notes & Boards: the renewal board: one task per policy, due 45 days before expiration, in columns like "To remarket", "Quoting", "Sent" and "Renewed". Open claims you're helping with go on a second board.
• Time Tracking: barely helps on commission income. Where it does: timing how many hours a small commercial account or a fleet takes you each year, to see whether it pays.
• Invoicing: rarely needed, since the carrier bills the premium. Use it only for a fee of your own, sent with a card pay link and your other payment details.
• Expenses: E&O premium, CE courses, license renewals, purchased leads and mileage, with receipts, exported as CSV for your tax preparer. Commissions don't go through Invoicing, so the profit report won't count them.
• Automations: when someone submits the quote form, they get an email listing what you need from them (current declarations page, VINs); when a lead moves to Won, they get your welcome email with the carrier's claims number.

Licensing: where your pages can reach

State insurance regulators license insurance producers, a term that covers agents and brokers. The NAIC's Producer Licensing Model Act, the model for state licensing laws, bars selling, soliciting or negotiating insurance without a license for that line of authority (for example life, accident and health, property or casualty).

• A form or booking page reaches people in every state. If you quote by phone or online for someone in another state, check whether you need a nonresident license there: the NAIC's State Licensing Handbook says that for sales by phone or electronically, licensing should turn on the state where the customer lives.
• Say on your Link in Bio page and your form which states and lines you're licensed for, so out-of-state leads know before they book.
• Rules on agent fees, advertising, premium handling and record retention vary by state. Check with your state's insurance department before you charge a fee of your own.

This is general information, not legal advice. Rules vary by state; check yours with a lawyer or your licensing board.

SoloWOS or AgencyZoom: which fits

AgencyZoom is a sales and retention platform built for insurance agencies. If you run an agency with producers and service staff, it's the closer fit. For a solo agent, here's how the two line up.

Choose AgencyZoom if:

• You have producers and CSRs who share pipelines, with automations on each stage.
• You want text and email sequences to leads and renewals, which SoloWOS can't send by text.
• Your renewals should come from your agency management system instead of a board you keep yourself.

Choose SoloWOS if:

• You're a solo or two-person agency and the gaps are quote follow-up and remembering renewals.
• You also want e-signatures for your own paperwork, a booking page and tracked PDFs in the same account.
• A flat $15/month matters more to you than insurance-specific features.

Prices and features checked on October 23, 2026 on each company's site.

Start with these three

Document Tracking for your comparisons, Notes & Boards with the renewals of the next 90 days, and Forms for quote requests. Add Scheduling once you've picked a standing time for annual reviews.

Free tools that help

• QR code generator for your business card or the flyer at a referral partner's office.
• Customer lifetime value calculator to see what a household that renews home and auto for years is worth.
• Sales pipeline calculator to work out how many quote requests it takes to write the month's policies.
• Mileage deduction calculator for the drives to clients and inspections.

What SoloWOS won't do for an insurance agent

• No rating, comparative rater, binding or policy issuance, and no downloads from carriers.
• No commission tracking or statement reconciliation.
• Clients can't upload their current declarations page through a form or the portal; it still arrives by email.
• Reminders and follow-ups go by email only, not SMS.
• SoloWOS doesn't file taxes, issue 1099s or collect sales tax for you. Invoicing sends the invoice with a pay link (card through your Stripe account) and your other payment details; your accountant or tax software handles the rest.