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Insurance · head to head

Bold Penguin vs InsurancePro

Bold Penguin logo

Bold Penguin

Insurance

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite
I

InsurancePro

Insurance

Agency management system for small US personal lines insurance agencies, now sold by Zywave

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Bold Penguin has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bold Penguin no public pricing available; entirely quote-based sales model; InsurancePro commercial lines handling is thin next to Applied Epic or AMS360, so an agency that grows into mid-market commercial accounts will usually have to migrate rather than upgrade, and agency management migrations routinely take six months and lose historic activity notes.
  • They diverge on capability: Bold Penguin covers Multi-carrier quoting, InsurancePro covers Policy and client records.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Bold Penguin and InsurancePro actually diverge.

Attributes where Bold Penguin and InsurancePro differ
AttributeBold PenguinInsurancePro
Starting priceFreeOn request
Pricing modeltransactionquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Windows, iOS, Android
Founded2019Unknown

Identical on both: user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bold Penguin

  • Multi-carrier quoting
  • Instant quotes
  • Online binding
  • Customer portal
  • Mobile app
  • API access
  • Multiple carriers
  • Agency management systems

Only in InsurancePro

  • Policy and client records
  • TurboRater integration
  • ACORD forms and certificates
  • Automated task lists
  • Document storage
  • Download processing

Both cover

  • Commission tracking
  • Reporting

What people use each for

The jobs each tool is most often brought in to do.

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot InsurancePro
  • Automating submission to bind through the Terminal platformnot InsurancePro
  • Handling complex middle market submissions with SubmissionLinknot InsurancePro
  • Policy checking with ClauseLinknot InsurancePro

InsurancePro

  • A five person personal lines agency already running TurboRater that wants a management system from the same vendor so quotes flow through without rekeyingnot Bold Penguin
  • An agency leaving paper files and spreadsheets that needs ACORD forms and carrier download without an enterprise implementation projectnot Bold Penguin
  • A start-up agency that cannot justify Applied Epic pricing but needs commission reconciliation from day onenot Bold Penguin
  • An agency owner who wants one supplier relationship covering rating, management and forms rather than stitching three vendors togethernot Bold Penguin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bold Penguin

  • No public pricing available; entirely quote-based sales model
  • B2B enterprise solution with custom pricing based on organizational needs
  • No published tiers or plan features; feature set and cost determined during sales consultation

InsurancePro

  • Commercial lines handling is thin next to Applied Epic or AMS360, so an agency that grows into mid-market commercial accounts will usually have to migrate rather than upgrade, and agency management migrations routinely take six months and lose historic activity notes.
  • TurboRater is a separate purchase, so the integration that is the main reason to buy InsurancePro is only available if you pay for both products, which changes the total cost comparison against systems that include no rater at all.
  • Pricing is not published anywhere, so agencies cannot benchmark before entering a sales conversation and the quote varies with agency size and negotiation.
  • Since the Zywave acquisition the product sits inside a portfolio whose strategic focus is benefits and commercial content, which raises a real question about how much engineering investment a small personal lines AMS will attract over the next few years.
  • Carrier download coverage depends on IVANS connections that the agency must arrange with each carrier, so a new agency can spend weeks chasing download authorisations before the automation the system promises actually works.

Pricing, plan by plan

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

InsurancePro

On request
  • InsurancePro$undefined/year
    • Agency management system
    • TurboRater integration sold separately
    • Carrier download

Which should you pick?

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want instant quotes.
Bold Penguin review

Choose InsurancePro if

  • You need policy and client records.
  • You work on Web, Windows, iOS, Android.
  • You also want turborater integration.
InsurancePro review

Questions people ask

Is Bold Penguin or InsurancePro better?
Neither clearly leads. Bold Penguin starts at Free and InsurancePro at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bold Penguin or InsurancePro?
Bold Penguin has a free tier; the other does not. Paid plans start at Free for Bold Penguin and On request for InsurancePro.
Does Bold Penguin or InsurancePro run on more platforms?
Bold Penguin runs on Web, Ios, Android. InsurancePro runs on Web, Windows, iOS, Android.
Can I use Bold Penguin for free?
Yes. Bold Penguin has a free tier, so you can try it without paying. InsurancePro starts at On request.
What is Bold Penguin best used for?
Bold Penguin is most often used for routing and triaging commercial insurance submissions, automating submission to bind through the terminal platform, handling complex middle market submissions with submissionlink, policy checking with clauselink. Of those, routing and triaging commercial insurance submissions and automating submission to bind through the terminal platform are not what InsurancePro is typically brought in for.
What can Bold Penguin do that InsurancePro cannot?
Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. InsurancePro covers Policy and client records, TurboRater integration, ACORD forms and certificates, Automated task lists. Both handle Commission tracking, Reporting.

Answered from the vendors’ own pages

Bold Penguin: What is Bold Penguin's pricing model?

Bold Penguin uses a custom, quote-based pricing model. Specific costs and billing periods are not published publicly; pricing is determined through consultation with the sales team based on organizational needs.

Source
InsurancePro: Is InsurancePro still sold under its own name?

Yes. It is now a Zywave product, sold on the TurboRater site as InsurancePro, but it retains its own name and its own product page.

Bold Penguin: Does Bold Penguin offer standard subscription plans?

Bold Penguin does not publish standard pricing tiers or subscription plans. The company directs interested parties to book a demo or contact sales through 'Let's Talk' forms to discuss custom solutions and pricing.

Source
InsurancePro: Do I need TurboRater to use InsurancePro?

No, but without it you lose the quote-to-management data flow that is the main commercial argument for choosing this system over a rival.

Bold Penguin: How can I get a Bold Penguin price quote?

To obtain pricing information, visit the Bold Penguin website and submit a demo request or contact form. A sales representative will assess your needs and provide a customized pricing proposal.

Source
InsurancePro: Can it handle commercial lines?

It can record commercial policies and produce commercial ACORD forms, but agencies writing substantial commercial books generally find the workflow and reporting insufficient.

InsurancePro: What does it cost?

Zywave does not publish pricing. Expect a quote based on agency headcount and modules, with rating licensed separately.

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