Software · head to head
Openly vs Bold Penguin
Openly
Software
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: Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon; Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance
Where they differ
Only the attributes on which Openly and Bold Penguin actually diverge.
| Attribute | Openly | Bold Penguin |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | quote | transaction |
| Free tier | No | Yes |
| Platforms | Web | Web, Ios, Android |
| Founded | Unknown | 2019 |
Identical on both: 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 Openly
Nothing recorded that Bold Penguin does not also cover.
Only in Bold Penguin
- Multi-carrier quoting
- Instant quotes
- Online binding
- Customer portal
- Commission tracking
- Mobile app
- API access
- Reporting
What people use each for
The jobs each tool is most often brought in to do.
Openly
No use cases recorded yet. See the Openly review.
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
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Bold Penguin
- Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
- Pricing is not published
Pricing, plan by plan
Openly
On requestNo published plan breakdown. See the Openly review.
Bold Penguin
Free- Broker AccessFree
- Multi-carrier quotes
- Instant quoting
- Commission tracking
Which should you pick?
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.
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.
Questions people ask
- Is Openly or Bold Penguin better?
- Neither clearly leads. Openly starts at On request and Bold Penguin at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Openly or Bold Penguin?
- Bold Penguin has a free tier; the other does not. Paid plans start at On request for Openly and Free for Bold Penguin.
- Does Openly or Bold Penguin run on more platforms?
- Openly runs on Web. Bold Penguin runs on Web, Ios, Android.
- 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 can Openly do that Bold Penguin cannot?
- Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal.