CovioIQ - 2026 Pricing, Features, Reviews & Alternatives

CovioIQ is a cloud-based CRM built for Canadian insurance brokers and brokerages of all sizes, from independent solo brokers to multi-broker teams handling personal and commercial lines. The platform centralizes client records, policy data, renewal pipelines, opportunity tracking, documents, tasks, and activity history on a single record, reducing reliance on a combination of a broker management system, shared inbox, and shared drive. Data is hosted in Canada, the interface is fully bilingual (English and French), and the platform is built around PIPEDA and Quebec Law 25 compliance requirements. CovioIQ is currently in beta and is designed to sit alongside an existing broker management system rather than replace it.

Active policies enter the renewal pipeline automatically 90 days before expiry, ranked by rule-based churn-risk scores with named contributing factors including premium change, client tenure, policy count, and recency of contact. Lead and client records share a single contact object that progresses from lead to active client when a policy goes live, with assigned broker, lead score, source, and status tracked throughout. The opportunities pipeline tracks quoting work across seven stages with value, probability, and expected close date. Policy records capture carrier, line, policy number, premium on its actual billing cadence, commission rate, and effective and expiry dates. Documents are stored in per-agency private storage with categories, expiry dates, short-lived download links, and recoverable trash. Activity history logs calls, emails, meetings, and notes on a timeline, with system events recorded separately.

Access control uses three fixed roles (Broker, Admin, Owner) enforced at the database level, eliminating the need to configure a permissions matrix. An in-app AI assistant, Alex, accepts plain-language questions about the broker's own book of business and returns advisory answers pointing to relevant records; it does not take actions, contact clients, or provide coverage advice. Notifications include an in-app attention queue and an optional daily renewal digest email. CSV import and export is available for clients and policies at any time. Pricing is flat CAD with a 14-day free trial and no credit card required to start.