Technology That Feels Like Momentum

Back when I was an agent, the number of tech tools I had access to seemed impressive—on paper.

But in the day-to-day grind of quoting commercial lines, most of that technology sat unused. Not because I didn’t want to be more efficient. But because the tools never felt like they were built for me.

Fast forward to my work in Customer Success at CoverForce, and I talk to producers every week who are still quoting like I used to: Email chains. PDF apps. Copy-pasting data across systems. Manual submission intake—even when they technically have access to more “efficient” tools.

This isn’t a resistance to change. It’s something deeper. 

The Disconnect Between Tech and Reality

Most of the platforms I tried assumed I’d stop everything, log in, and start quoting from scratch in their system. But that’s not how insurance is actually sold.

You’re quoting between meetings. You’re jumping on an urgent request from a client. You’re trying to track appetite while navigating five other priorities.

Producers don’t live in static workflows. Our days are defined by urgency, context-switching, and speed. And if a tool asks for too much—too many logins, too much friction—it quietly falls by the wayside.

Tools That Ignore the Producer’s Flow Just Don’t Get Used

The biggest myth in Insurtech is that “if you build it, they will come.”
They won’t.

Agents don’t adopt tools because they’re better in theory. They adopt tools that match how they actually work. 

The most successful systems feel like they’re running in the background—surfacing exactly what’s needed, when it’s needed, without pulling the producer out of rhythm.

Hidden signals in drop off

Every incomplete quote is a silent signal that something’s broken in the process. But most organizations don’t capture it.

And if you’re not tracking those drop-offs, you’re not seeing the hidden costs—like missed submissions, lost bind opportunities, or the growing sense of “this tool isn’t worth it.”

From my time on the agency side, I can tell you: when a system makes things even a little harder, agents will quietly opt out. Not maliciously—just practically.

At the strongest, most tech-enabled agencies, almost 95% of applications make it through to a final quote. Newer & less tech-enabled agencies see a failure rate over twice that.

Application failure rate (started but not quoted) split by tech enabled vs not tech enabled agency

Technology That Feels Like Momentum

At CoverForce, we’re not trying to force agents to work differently.
We’re building systems that work the way agents already do.

That means:

• Structured, bindable quoting that doesn’t require re-entering the same info five times
• Instant visibility into which markets you can access—no PDF spreadsheets
• The ability to shop where you need, but keep one clean record of what’s happening

The goal isn’t to replace relationships or control every submission. It’s to remove friction from the parts of the process that get in the way.

I wish I had this when I was writing business. But, now my job is to get the word out to agents that need this kind of technology. If you want to open a conversation, let's connect.