Policies, installments, collections, renewals, commissions and sub-agents in one system. You pay once. No per-user fees, and your data stays in your own Google account.
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A short tour: create a policy, schedule installments, record a payment and watch collections and commissions update.
Typical agency management systems charge per user, every month, for as long as you operate. Spreadsheets are cheap, but they don't know about renewals, installments or commissions. Smartio gives you the structure of an agency system on a tool you already know.
No subscriptions and no seats. Add as many team members as you need.
Everything lives in your Google Drive. Export it, back it up, or walk away any time.
Not a generic CRM. Policies, carriers, installments, claims and commissions are part of the design.
One policy drives the rest: its charges, payments, installments, commissions and renewals all stay in sync.
Full profiles with policies, coverages per product, insured items, documents and notes.
Pay-plan schedules are created for you. Record a payment and balances, statuses and overdue alerts update.
Aging balances and a due and overdue list, with one-click Mark Paid.
See what expires soon, renew with a re-quote, or mark a policy as did-not-renew.
Track carrier commissions received and pending, and what you owe sub-agents.
Follow claims, move leads to quotes to policies, and keep tasks and follow-ups.
Policy statements you can email or export to PDF, plus dashboards for finance, CRM and collections.
Admin, Manager, Agent and Read-Only roles, with a log of who changed what.
After setup, your team works in a clean web interface instead of the raw spreadsheet.
Published and reported prices for agency management software run from roughly $85 to $155 per user per month. Prices vary and change, so check each vendor.
| Typical agency software | Smartio | |
|---|---|---|
| Cost | Per user, every month | One-time payment |
| Team size | Priced by seat | Unlimited users |
| Your data | In the vendor's system | In your Google account |
| Setup | Onboarding, training, contracts | About 15 minutes |
| Carrier downloads & e-signature | Often included | Not included |
No coding. The guide walks you through each screen.
Right after checkout you get a link and the PDF setup guide.
The system and its script come with it. Authorize it once with your Google account.
Publish your web app, enter your agency profile and invite your users.
Both editions include the setup guide and the web app.
Secure checkout. Your copy link and guide are delivered instantly by email. 14-day refund policy.
No. You make a copy of the sheet, authorize it, and publish it by following the guide.
Yes, once. Because the script is a copy that you own, Google shows an "unverified app" screen the first time you authorize it. The guide shows exactly where to click, and the script only touches your own Google account.
In your own Google Drive. We never see your customer data.
As many as you like. Access is by role: Admin, Manager, Agent and Read-Only.
Plus adds the sub-agent engine and the Sub-Agent Portal, where your sub-agents see their policies and commissions with an ID and PIN, without needing a Google account.
Smartio does not download from carriers, does not do e-signature, and is not insurance, legal, tax or compliance advice. You are responsible for meeting the rules that apply to your agency.
You have 14 days to request a refund. [Edit this to match your final refund policy.]
Email support is included. Plus includes free updates to this version. [Edit to match your final support policy.]
Pick your edition and be set up today.
Choose Basic or Plus