Insurance · head to head
Bold Penguin vs Openly
Openly
Insurance
Customizable homeowners insurance sold only through independent agents
- From
- On request
- Rated
- -
The short version
- Only Bold Penguin has a free tier, so it costs nothing to try first.
- Each has a real cost: Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance; Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon
Where they differ
Only the attributes on which Bold Penguin and Openly actually diverge.
| Attribute | Bold Penguin | Openly |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | transaction | quote |
| Free tier | Yes | No |
| Platforms | Web, Ios, Android | Web |
| Founded | 2019 | Unknown |
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
- Commission tracking
- Mobile app
- API access
- Reporting
Only in Openly
Nothing recorded that Bold Penguin does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Bold Penguin
- Routing and triaging commercial insurance submissionsnot Openly
- Automating submission to bind through the Terminal platformnot Openly
- Handling complex middle market submissions with SubmissionLinknot Openly
- Policy checking with ClauseLinknot Openly
Openly
No use cases recorded yet. See the Openly review.
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Bold Penguin
- Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
- Pricing is not published
Openly
- Available in only 24 states as of August 2026, with Nevada still listed as coming soon
- Policies are not sold directly to consumers; coverage must be obtained through an independent agent, as of August 2026
Pricing, plan by plan
Bold Penguin
Free- Broker AccessFree
- Multi-carrier quotes
- Instant quoting
- Commission tracking
Openly
On requestNo published plan breakdown. See the Openly review.
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.
Choose Openly if
Nothing in the data separates Openly from Bold Penguin on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Bold Penguin or Openly better?
- Neither clearly leads. Bold Penguin starts at Free and Openly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Bold Penguin or Openly?
- Bold Penguin has a free tier; the other does not. Paid plans start at Free for Bold Penguin and On request for Openly.
- Does Bold Penguin or Openly run on more platforms?
- Bold Penguin runs on Web, Ios, Android. Openly runs on Web.
- Can I use Bold Penguin for free?
- Yes. Bold Penguin has a free tier, so you can try it without paying. Openly 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 Openly is typically brought in for.
- What can Bold Penguin do that Openly cannot?
- Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal.
Related pages
More on Bold Penguin
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