Product Overview
Every tool your insurance agency needs — unified, intelligent, and built to scale. No gaps. No compromises.
The complete picture — every policy, claim, communication, document, and activity on one screen. Risk scores, coverage gap analysis, and cross-sell recommendations powered by ARIA. Know your clients better than they know themselves.
Quote to bind to renewal in clicks, not days. Full status tracking, endorsements, cancellations, reinstatements. Carrier appetite matching finds the right markets instantly. Every transition logged for compliance.
FNOL intake, status workflows, vendor assignment, document collection, and reserve tracking. CAT Commander identifies affected policies during catastrophe events and triggers mass notifications automatically.
Stripe-powered invoicing, automated commission calculations with producer splits, payment tracking, and financial reporting. Money stored in cents (BigInt) — never floating point. PDF invoice generation included.
Unified email + SMS. AI classifies messages, scores priority, auto-routes to the right person, drafts replies, and extracts action items. Messages auto-link to clients. Your inbox becomes a command center.
50-state surplus lines automation. ELANY (NY), FSLSO (FL), and NRRA filing. Deadline tracking, diligent search documentation, tax calculations, and NYDFS cybersecurity compliance. Compliance that doesn't make you miserable.
Not a chatbot — an agent with tool use. Lookup clients, analyze policies, predict churn, draft emails, extract document data, and run autonomously overnight. PII scrubbed before every API call. Full audit trail on everything.
Book of business, retention rates, premium volume, pipeline conversion, producer scorecards, and drag-and-drop report builder. Export CSV/PDF. Scheduled delivery. Data-driven decisions, not gut feelings.
30/60/90-day renewal detection, policy cloning, cron-based processing, email alerts, and ARIA overnight autonomous operations with morning briefings. Your agency works while you sleep.
REST API v1 with OpenAPI 3.1 spec. API key auth, per-key rate limiting, webhook subscriptions. SDKs for Python, JavaScript, Go, and Java. Full developer portal and sandbox environment.
Submission management with AI-powered carrier ranking. COI automation with bulk renewal on policy renew. Loss run parsing via AI extraction. Endorsement workflows with carrier tracking. Premium audit compliance. Everything commercial agencies need.
ARIA drafts 10+ types of insurance emails: renewal outreach, welcome, lapse notice, prospect, claims status, endorsement request, payment reminder, coverage gap, annual review, referral. Context-injected from live client data. Review, edit, send in one click.
Multi-carrier quoting from single data entry. Personal and commercial lines. Side-by-side coverage comparison, not just premium. Carrier performance tracking and rate change monitoring. Best quote auto-applied on bind.
Send any document for signature without leaving PrizMova. No DocuSign subscription needed. Sign from any device. Signed documents auto-attach to policy records. Full audit trail with timestamp, IP address, and device info.
Continuous monitoring for premium changes without endorsement, policy lapses, commission mismatches, client inactivity, IVANS download conflicts, and COI expiration gaps. Each anomaly creates an actionable task with context and suggested resolution.
Comparison
See why agencies are ditching their legacy systems. The gap isn't closing — it's widening.
| Feature | PrizMova | Legacy AMS |
|---|---|---|
| AI Assistant (ARIA) | ✓ | ✗ |
| Built-in Email + SMS Inbox | ✓ | ✗ |
| Automated Renewals | ✓ | Partial |
| Commission Engine | ✓ | ✓ |
| 50-State Compliance | ✓ | Partial |
| Churn Prediction | ✓ | ✗ |
| Document AI Extraction | ✓ | ✗ |
| Coverage Gap Analysis | ✓ | ✗ |
| REST API + Webhooks | ✓ | Limited |
| Modern UI (2026) | ✓ | ✗ |
| Multi-Tenant / SOC 2 | ✓ | Varies |
| Transparent Pricing | ✓ | ✗ |
| Commercial Lines Hub | ✓ | Partial |
| AI Email Drafting | ✓ | ✗ |
| Comparative Rating | ✓ | Separate Tool |
| Built-in E-Signatures | ✓ | Separate Tool |
| Anomaly Detection | ✓ | ✗ |
| Multi-Agent AI Architecture | ✓ | ✗ |
| Coverage Analysis Letters | ✓ | ✗ |