Insurance agency / brokerage software, built around E&O and policy book of business

Arkathos gives a insurance agency a workspace tailored to how the work actually runs — This workspace is built around the policy book of business — renewals/x-dates, carrier commission reconciliation, and producer licensing. Arkathos tailors a insurance agency workspace around 5 agents: Sentinel, Treasury, Quartermaster, Watchtower, Herald.

Compliance a insurance agency can't afford to miss

Watchtower tracks every license, bond, insurance policy, and continuing-education requirement for a insurance agency, with renewal cadences and staged reminders so nothing lapses.

• A insurance agency must maintain a Resident insurance producer license, through the State Department of Insurance (DOI), which renews every two years.
• The Resident insurance producer license carries a continuing-education requirement of 24 hours every two years (3h Ethics).
• A insurance agency must maintain a Business entity (agency) insurance producer license, through the State Department of Insurance (DOI), which renews every two years.
• A insurance agency must maintain a Surplus lines broker license, through the State Department of Insurance (DOI), which renews every two years.
• A insurance agency must maintain a Certified Insurance Counselor (CIC) designation, through the The National Alliance for Insurance Education & Research, which renews every year.
• A insurance agency must maintain a Insurance producer / agency surety bond, through the Surety company (filed with State Department of Insurance), which renews every year.
• A insurance agency must maintain a Professional liability / Errors & Omissions (E&O) insurance, through the Insurance carrier, which renews every year.
• A insurance agency must maintain a General liability insurance, through the Insurance carrier, which renews every year.
• A insurance agency must maintain a Cyber liability insurance, through the Insurance carrier, which renews every year.
• A insurance agency must maintain a Workers' compensation insurance, through the Insurance carrier (state workers' comp system), which renews every year.
• A insurance agency must maintain a Fidelity / crime bond (employee dishonesty), through the Surety / insurance carrier, which renews every year.

Everything Arkathos runs for a insurance agency

These are the agents set up first for a insurance agency — and because it's one platform, every plan includes all 16 Arkathos agents. Also included whenever you need them: Guardhouse, Scribe, Courier, War Room, Armory, Marshall, Mint Warden, Vault Keeper, Bulletin Board, Client Portal.

• Sentinel — Contact & lead management, Deal / estimate pipeline, Task & follow-up tracking, SMS & email outreach, Pipeline reporting.
• Treasury — Invoicing & payment collection, Expense tracking, Accounting & bookkeeping, Business tax prep & filing, Recurring billing & subscriptions, Financial dashboards & reports.
• Quartermaster — Online booking & appointments, Calendar & availability, Events & waitlists, Automated reminders, Job dispatch & scheduling.
• Watchtower — License & permit tracking, Certification & continuing-education (CE) tracking, Renewal reminders & alerts, Compliance document vault.
• Herald — SEO & get-found content, Social media scheduling, Email & newsletter campaigns, Brand voice & content studio, Review & reputation growth, AI-overview & directory visibility.

Your tailored insurance agency workspace

These are net-new, insurance agency-specific capabilities — not a generic CRM bolted onto your industry.

• Policy book of business (Sentinel): Policy as a first-class object: carrier, policy number, line (auto/home/life/commercial), premium, effective + expiration (x-date), status, and commission rate — the asset the whole agency revolves around.
• Renewal / x-date pipeline + lapse alerts (Quartermaster): Automatic renewal reminders 60/30 days before expiration, lapse-risk flags, and round-out/cross-sell prompts driven from policy x-dates.
• Carrier commission reconciliation (Treasury): Import carrier commission statements, match to policies, distinguish new vs renewal vs contingency/bonus commission, and split producer commissions for payout.
• Certificate of insurance (ACORD) generator (Scribe): Produce ACORD certificates of insurance and evidence-of-coverage documents on demand from policy data — a daily request volume agencies handle constantly.
• Producer license + CE + appointment tracker (Watchtower): Per-producer state license renewals, CE credit hours, E&O policy, and carrier appointment status with alerts.
• Multi-carrier quote comparison (Sentinel): Capture quotes from several carriers against one applicant for side-by-side comparison and bind tracking.

The agents and tabs you get

Sentinel for a insurance agency surfaces Overview, Contacts, Tasks, Chat. Treasury for a insurance agency surfaces Financial sheet, Transactions, Invoices, Chat. Quartermaster for a insurance agency surfaces Calendar, Bookings, Availability, Chat. Watchtower for a insurance agency surfaces Compliance items, Calendar, Chat. Herald for a insurance agency surfaces Brief, Compose, Get found, Directories, ✦Studio, Schedule, Chat, Brand voice.

Frequently asked questions

best agency management system for a small insurance agency

For solo/small agencies, look at HawkSoft, EZLynx, Jenesis, or AgencyBloc — cloud AMS platforms that centralize policies, clients, renewals and commissions. Prioritize ease-of-use and affordable pricing over enterprise features like Applied Epic.

how much does insurance agency management software cost per user

Insurance CRMs run roughly $12–$150/user/month; full AMS platforms about $85–$200/user/month, plus setup and data-migration fees. Per-seat pricing adds up fast — Arkathos uses flat pricing with no per-seat fees.

best comparative rater for independent agents

Personal lines: EZLynx, Vertafore PL Rating, and TurboRater quote 300+ carriers side by side. Commercial lines: Tarmika, Semsee, Bold Penguin, and QuoteSweep. HawkSoft integrates with most raters rather than replacing them.

how do I reconcile carrier commission statements

Import each carrier statement, match payments to policies, verify against expected rates, and flag shortfalls. Manual spreadsheets leak revenue; tools like AMS360, HawkSoft, and CommissionIQ automate matching across hundreds of carrier feeds.

how do I track policy renewals so nothing lapses

Use a management system that auto-triggers renewal tasks at 60/45/30 days before expiration and logs every client touch. Arkathos handles these reminders plus scheduling and follow-ups so renewals don't slip.

do i need an AMS or is a CRM enough for insurance

A CRM manages leads and relationships; an AMS adds policy records, carrier data, accounting and compliance. Most agencies eventually need both. Arkathos combines CRM, finances, scheduling, payroll and compliance in one flat-priced platform.

all in one software to run an insurance agency

Platforms like EZLynx and AgencyBloc bundle CRM, quoting, accounting, marketing and commissions. Arkathos is an AI platform with 16 agents covering finances, CRM, scheduling, payroll, compliance and marketing under one flat price — no per-seat fees.

how to start an independent insurance agency

Get licensed (a separate exam per line you sell), pick a legal structure, secure E&O insurance, obtain carrier appointments or join a cluster/aggregator, then set up an AMS/CRM to manage clients and renewals.

how do agents keep track of E&O and license compliance

Track E&O policy expiration and producer license/appointment dates so nothing lapses — a lapse exposes you to personal liability. Compliance tools (e.g., AgentSync) and platforms with automated compliance reminders, like Arkathos, flag deadlines early.

What licenses and insurance does a insurance agency need?

Arkathos tracks 10 items for a insurance agency, including Resident insurance producer license, Business entity (agency) insurance producer license, Surplus lines broker license, Certified Insurance Counselor (CIC) designation. Each renewal and expiration is monitored in Watchtower with staged reminders.

What continuing education is required for a insurance agency?

The Resident insurance producer license carries a continuing-education requirement of 24 hours every two years (3h Ethics). Watchtower logs hours by category and flags shortfalls before the deadline.

Which Arkathos agents does a insurance agency get?

Arkathos tailors a insurance agency workspace around 5 agents: Sentinel, Treasury, Quartermaster, Watchtower, Herald.

Related industries