Insurance CRM Software That Protects Your Renewal Revenue
Renewals slip and cross-sells go unasked. Smarfle tracks policies and renewal dates, reminds on time, follows up on quotes, and keeps a record of every client conversation. From $19/month.
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28
$1.2M
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Davis Auto + Home Bundle
Policy Renewal Review
Sunrise Bakery
Commercial General Liability
Franklin Residence
Homeowners Claim #4812
Metro Logistics Inc
Fleet Auto Policy
Everything a insurance business runs on
Smarfle connects everything a successful local business runs on: website, Google Business Profile, call tracking, lead follow-up, CRM, review requests, payments, and recurring orders. One platform. Start with the insurance workflows below.
Insurance Scheduling Software
Policy renewals + claims meetings + new-prospect quotes. Insurance agency scheduling needs all three cadences. Smarfle's recurring + public booking keeps the funnel + book of business tight.
Learn moreInsurance Billing Software
Insurance agency billing is the money the carrier does not handle: broker fees, policy service charges, consulting retainers for commercial clients, and inspection or certificate fees that pile up as an agency grows. Most agencies run these on a mix of paper receipts and memory, because their management system was built for policies, not payments. Smarfle handles the agency-revenue side cleanly: fees invoice at the moment of service, cards save for repeat clients, renewal-linked charges recur on schedule, and the aging report keeps commercial accounts honest. The carrier pays commissions; Smarfle collects everything else.
Learn moreInsurance Invoicing Software
Commission tracking + advisory fee invoicing + monthly retainer. Insurance agency invoicing covers all three with auto-send + Pay Now.
Learn moreThe growth side, built in
Insurance Agency Call Tracking
Quote calls spike at renewal season. Tracking ties each to its campaign, and missed ones get texted back while the shopper still has the old bill in hand.
Reviews & Google Business Profile
Policyholders pick local agents over 1-800 carriers because of reviews. Requests after smooth claims build that advantage.
Website & Lead Follow-Ups
Quote forms feed the pipeline with coverage details, and renewal follow-ups protect the book you already wrote.
Plans that grow with your insurance business
All plans include a 7-day free trial. No credit card required.
Solo
Sole operators getting started
- 1 user
- Up to 100 clients
- 1 GB storage
- Public booking link + calendar
- Client management
- Work orders with photos
- Invoices + Stripe payments
- Activity log, tags, custom fields
- Mobile PWA + CSV import/export
Starter
Small teams adding tools and growth
- Up to 5 users (1 owner + 4 techs)
- Up to 200 clients
- 1 GB storage
- Everything in Solo
- Voice AI receptionist (usage-based)
- GMB rank tracking
- Search Console integration
- API access + webhooks
- Branded client portal
Professional
Growing service businesses
- Up to 10 users
- Up to 500 clients
- 3 branch locations
- 5 GB storage
- Everything in Starter
- AI email & SMS drafts
- AI work order summaries
- GBP Posts + Dashboard
- Workflows automation
- Website builder + AI content
Business
Multi-location operations
- Up to 30 users
- Up to 1,000 clients
- 10 branch locations
- 20 GB storage
- Everything in Professional
- Priority support
- Higher AI credit limits
SMS, email, AI, and voice are billed pay-as-you-go. See full pricing breakdown →
Where insurance businesses lose time and money
The day-to-day friction every insurance owner recognizes.
Renewal Dates Slip Until the Client Leaves
Policy renewals are your most important revenue event, but when they are tracked manually, some clients get contacted 60 days out while others hear from you after they have already switched carriers.
Quote Follow-Ups Die in Your Inbox
You send a prospect three quote options and then client work buries the follow-up. By the time you circle back, they have gone with another agency. This happens more often than you want to admit.
Claims Updates Require Constant Client Chasing
Clients call asking about their claim status. Your team checks with the carrier, calls the client back, and repeats this cycle for every open claim. It is time-consuming and clients still feel out of the loop.
Built for insurance businesses
Not a generic CRM. Every feature is tailored to how insurance companies actually work.
Policy Management With Renewal Tracking
Track every policy with carrier, coverage type, premium, and renewal date. Smarfle alerts you before renewals so you can reach out proactively instead of reactively.
Commission and Premium Invoicing
Generate invoices for agency fees and track commission income by policy, client, and carrier. See your revenue clearly and invoice clients without manual spreadsheet work.
Client Portal for Policy Documents and Claims
Clients log in to view their active policies, upload claim documents, and check claim status. Fewer phone calls, faster document collection, and happier clients.
Quote Pipeline and Follow-Up Tracking
Track every quote from initial request through presentation, follow-up, and binding. See which quotes are stale and get reminders before prospects go cold.
Book of Business Reporting
See your total premium volume, retention rates, and revenue by carrier, coverage type, and producer. Make data-driven decisions about where to focus your growth.
Renewal Pipeline Visibility
Every policy's renewal date on one timeline with automatic reminders, so retention stops depending on memory.
Every insurance call, handled your way
Your business number routes however you decide, and you can mix modes by schedule: forward to your phone during the day, switch to text-back or the AI after hours.
Plain forwarding
$0.04/min
Just rings your phone. Every call logged as answered or missed.
Forward with call tracking
$0.10/min
Rings your phone. Recorded, transcribed, summarized, and logged to the customer record.
Busy message + text-back
~$0.05/call
Plays your message, hangs up, and texts the caller. Replies land in your Inbox as leads.
AI receptionist
$0.25/min
The AI answers, qualifies the caller, and books the job. Great after hours if you want it.
Curious how the AI option sounds? Call (866) 355-9645 and try booking a consultation with it.
How an insurance policy flows through Smarfle
From quote request to renewal — every policy and renewal tracked.
- 1
Quote request lands
Web form, AI receptionist for after-hours, or referral. Each becomes a client record with policy type, coverage needs, and any prior carrier captured.
- 2
Quote delivered
Calendar holds the consultation. Custom fields track quoted carrier, premium, and effective date.
- 3
Policy bound + documents stored
Policy issued, declarations attached to the client record, payment via Stripe payment link, work order moves to active.
- 4
Service work tracked
Mid-term changes, claims assistance, and questions logged as activity on the client record. Time tracking when billable.
- 5
Renewal reminders + cross-sell + review
Maintenance reminders alert your team 30/60/90 days before renewal. Workflow automation sends renewal-prep emails. Review requests after policy bind.
Same flow for every insurance business, only the terminology and details change.
Is Smarfle the right fit for your insurance business?
We built this for a specific type of business owner. Tap each one that sounds like you.
We built this for you if...
Tap the ones that resonate
This probably isn't for you if...
And that's okay
Renewal Pipeline That Drives Proactive Client Outreach
Every policy renewal date is tracked and triggers outreach workflows automatically. You contact clients 60, 30, and 15 days before renewal so no policy lapses due to neglect. Your retention rate improves because clients feel cared for, not chased.
The full insurance toolkit, in detail
Three ways Smarfle transforms how you operate, get paid, and grow.
Policy Dashboard
See every active policy with client, carrier, coverage type, premium, and renewal date. Filter by producer, carrier, or coverage type to focus on specific segments.
Renewal Pipeline
Policies approaching renewal are surfaced automatically at 60, 30, and 15 days out. Track outreach status for each and ensure no renewal slips through.
Claims Tracking
Log open claims with status updates, carrier communication notes, and document uploads. Clients see updates through the portal without calling your office.
Quote Management
Track every quote from initial request through presentation, follow-up, and binding. See which quotes are aging and need attention before the prospect moves on.
Insurance CRM Software for Renewal Revenue and Carrier Commissions
Most insurance CRM systems were designed in the captive-agent era, single carrier, single product line, fixed commission structure. Today's independent agency works with 8-20 carriers, mixes life, P&C, and commercial across the same household, and gets paid on a renewal-based commission tier that varies by carrier. Insurance CRM software has to track all of that without forcing the agent to live in spreadsheets. Smarfle's insurance CRM puts policy, carrier, premium, commission rate, and renewal date on a single contact record, so the agent sees the household's complete coverage map before the renewal conversation.
An insurance CRM that respects how independent agencies actually work, multi-carrier, multi-line, renewal-driven, is what keeps the book of business growing without losing renewals to attrition.
Policy + carrier + renewal date per household
Auto, home, life, umbrella, all stacked on the same household. Renewal calendar surfaces what's renewing in the next 30 days so you don't lose policies to ghosting agents who never call back.
Carrier commission tracking
Each carrier pays differently: 10% new, 15% renewal, override at a premium threshold. Smarfle stores the commission schedule per carrier so the agency knows what each policy is worth before signing it.
Cross-sell suggestions at renewal
Auto-only customer with a $500k home? Smarfle flags the gap and prompts the agent at the auto renewal touchpoint. Cross-sell conversion 3-5x higher than cold outreach with no context.
Claims status without leaving the agency
Track claim number, adjuster, and status per policy. Customer calls about a claim, agent has the answer in the CRM without dialing the carrier hotline first.
Insurance CRM questions
Related industries
Other trades using Smarfle to run their book of business.
Financial Advisor CRM
Financial-services cross-sell with renewals, reviews, and ongoing client follow-up.
ExploreReal Estate CRM
Referral partners. Closings drive policy needs, so the two pipelines feed each other.
ExploreTax Preparation CRM
Seasonal financial work with renewals and document collection for the same clients.
ExploreWhy businesses stay
A Florida company that treats you like a partner
We answer requests the same day. If your business needs a new feature, or an existing one changed, it gets built fast, often by the next day. Ihor Lavrenenko puts his name on this product: he has helped hundreds of local businesses grow, and Smarfle is how that experience shows up in your operation every morning.
Ready to run your insurance business from one place?
Join service businesses that book more jobs, get paid faster, and grow their reputation with Smarfle.
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