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Insurance · head to head

Bold Penguin vs Openly

Bold Penguin logo

Bold Penguin

Insurance

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite
Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

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; Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Bold Penguin and Openly differ
AttributeBold PenguinOpenly
Starting priceFreeOn request
Pricing modeltransactionquote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
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
  • 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

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Bold Penguin
  • Customizing homeowners insurance policies with specific coverage limitsnot Bold Penguin
  • Filing and managing property damage claims through digital workflowsnot Bold Penguin
  • Accessing insurance coverage across multiple US states through independent agentsnot 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

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 request

No 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.
Bold Penguin review

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.

Openly review

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.

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
Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

Source
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
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

Source
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
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