Software · head to head
Bold Penguin vs PolicyGenius
The short version
- Each has a real cost: Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance; PolicyGenius pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.
- They diverge on capability: Bold Penguin covers Multi-carrier quoting, PolicyGenius covers Quote comparison.
Where they differ
Only the attributes on which Bold Penguin and PolicyGenius actually diverge.
| Attribute | Bold Penguin | PolicyGenius |
|---|---|---|
| Pricing model | transaction | freemium |
| Founded | 2019 | 2014 |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).
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
- API access
- Reporting
- Agency management systems
Only in PolicyGenius
- Quote comparison
- Policy application
- Digital underwriting
- Policy management
- Claims filing
- Document storage
- Expert advisors
- Banking systems
Both cover
- Mobile app
- Multiple carriers
- Cloud deployment
- Web support
- Ios support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Bold Penguin
- Routing and triaging commercial insurance submissionsnot PolicyGenius
- Automating submission to bind through the Terminal platformnot PolicyGenius
- Handling complex middle market submissions with SubmissionLinknot PolicyGenius
- Policy checking with ClauseLinknot PolicyGenius
PolicyGenius
- Life insurance shoppingnot Bold Penguin
- Home insurance comparisonnot Bold Penguin
- Policy managementnot Bold Penguin
- Financial protectionnot Bold Penguin
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
PolicyGenius
- Pricing is quote only; the site states the final insurance policy premium for any policy is determined by the underwriting insurance company following application, with no rates published on site.
Pricing, plan by plan
Bold Penguin
Free- Broker AccessFree
- Multi-carrier quotes
- Instant quoting
- Commission tracking
PolicyGenius
Free- Free Quote ToolFree
- Compare life insurance quotes
- Home insurance quotes
- Auto insurance quotes
- Premium Support$undefined/month
- Expert advisor consultation
- Personalized recommendations
- Policy comparison
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 PolicyGenius if
- You need quote comparison.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want policy application.
Questions people ask
- Is Bold Penguin or PolicyGenius better?
- Neither clearly leads. Bold Penguin starts at Free and PolicyGenius at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Bold Penguin or PolicyGenius?
- Bold Penguin starts at Free and PolicyGenius at Free.
- Does Bold Penguin or PolicyGenius run on more platforms?
- Both run on Web, Ios, Android, so platform support will not decide this one for you.
- Can I use Bold Penguin for free?
- Both have a free tier, so you can try either at no cost before committing.
- 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 PolicyGenius is typically brought in for.
- What can Bold Penguin do that PolicyGenius cannot?
- Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. PolicyGenius covers Quote comparison, Policy application, Digital underwriting, Policy management. Both handle Mobile app, Multiple carriers, Cloud deployment, Web support.
Related pages
More on Bold Penguin
More on PolicyGenius
Keep looking
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