Best Commercial Insurance Quote Comparison Software in 2026

On this page (8)

1. The shortlist
2. TL;DR
3. Different tools solve different parts of quote comparison
4. Which tool fits your team?
5. The 5 best commercial quote comparison tools
6. Conclusion: check the comparison against the quotes
7. How we chose
8. FAQs

What is the best commercial insurance quote comparison software?

Updated Nov 3, 2026 · ranked by fitOutmarket ranks first of the 5 tools we compared: best for agencies that want comparison and proposals in one tool. Pricing starts at $83 (per seat; Lite self-serve, Enterprise quoted). Sensible and CopyCat follow.

TL;DR

• Commercial quotes arrive as PDFs in each carrier's own layout, so comparing premium, limits, deductibles, exclusions and subjectivities usually means retyping them into a spreadsheet before anyone writes the proposal.
• Outmarket is the first pick for agencies and brokers: it compares carrier quotes side by side, drafts a branded proposal with each figure cited to the source page, and publishes a price ($83 per seat per month on Lite).
• Sensible is the pick when quote data has to land in your own systems: its insurance quote extractor returns premiums, coverages, limits, deductibles and subjectivities as JSON in one schema across carriers, from $499 a month for 750 documents.
• CopyCat is a focused proposal tool for independent commercial agencies; Exdion and FurtherAI fold quote comparison into wider broker suites.
• Personal lines agents who need many carriers rated from one entry want a comparative rater instead: see the best comparative raters.

A mid-market renewal can bring back five quotes: two admitted carriers in their own PDF layouts, an E&S quote with a page of subjectivities, a Lloyd’s quote from a wholesaler, and a binder that changed the deductible from the indication. Before a producer can recommend anything, someone has to line up premium, taxes and fees, limits, deductibles, forms, exclusions and minimum earned premium across all five, and then rebuild the result as a proposal the client can read. This guide compares five tools that take over that work, from reading the quote PDFs to producing the proposal.

Personal lines agents comparing home and auto rates across carriers use a different tool, a comparative rater, covered in the best insurance comparative raters.

Different tools solve different parts of quote comparison

Shape	What it focuses on	Tools in this list
Broker quote-to-proposal platform	Reads quote PDFs, builds the side-by-side, drafts a branded proposal, checks the bound policy	Outmarket, CopyCat
Hybrid developer infrastructure	Extracts quotes into one JSON schema across carriers for your own comparison, rating or analytics	Sensible
Broker AI suite with services	Quote comparison and proposals alongside policy checking and endorsements, with people on exceptions	Exdion
Insurance AI workspace	Quote comparison as one workflow among submissions, policy checks and claims intake	FurtherAI

Agencies that hand proposals to clients usually want a broker platform. Wholesalers, MGAs, insurtechs and larger brokers building their own comparison screens or market analytics usually want the extraction layer.

Which tool fits your team?

• Producers and account managers build proposals from carrier quotes every week: Outmarket.
• Quote data feeds your own comparison tool, rating engine or placement analytics: Sensible.
• You are an independent commercial agency and the proposal document is the bottleneck: CopyCat.
• You are a large brokerage that wants comparison, proposals and policy checking run as a program: Exdion.
• Your team also handles submissions and marketing packets and wants one AI workspace: FurtherAI.

The 5 best commercial quote comparison tools

1. Outmarket: Best for agencies that want comparison and proposals in one tool

From $83 · SOC 2 Type IIFull profile →Visit site of Outmarket (opens in a new tab) ↗

Best for: Commercial agencies and brokerages whose producers and account managers compare carrier quotes and send client proposals every week.

Outmarket puts the whole broker sequence in one product. Its Compare Quotes workflow normalizes carrier quote PDFs into a side-by-side view, explains coverage gaps and exports to a proposal; Outmarket’s own example is four quote PDFs in about two minutes (source). Proposal Builder then drafts the proposal section by section in the agency’s branding, with each figure linked back to the quote page it came from (source). After binding, Verify Against Quote checks the issued policy against what was quoted. Outmarket says 300+ agencies use it, and that Moody Insurance Agency cut large client proposals from 3 to 4 hours to 30 to 60 minutes (source).

Key functionalities

• Compare Quotes and Compare Policies workflows
• Proposal Builder for new business and renewals, with Design Studio branding and version history
• Verify Against Quote, coverage gap and tower analysis
• Integrations with Applied Epic, AMS360, HawkSoft and Nexsure, plus Outlook, Gmail and SharePoint
• SOC 2 Type II, ISO/IEC 27001:2022 and ISO/IEC 42001, per its security page

Pros:

• Side-by-side quote comparison that exports straight into a proposal
• Every premium, limit and date in a proposal cited to its source page
• Published per-seat price; Applied Epic and AMS360 integrations on Enterprise

Cons:

• No free trial (7-day money-back guarantee on Lite)
• Policy checking and AMS integrations need Enterprise, 5-seat minimum

Pricing: Lite $83 per seat per month, or $1,000 per seat per year billed annually; Enterprise quoted, 5-seat minimum. (source)

Verdict: The first tool to try when the deliverable is a client proposal built from several carrier quotes.

2. Sensible: Best for owned extraction of carrier quotes into your own systems

From $499 · Free trial: 14 days · SOC 2 Type IIFull profile →Visit site of Sensible (opens in a new tab) ↗

Best for: Wholesalers, MGAs, insurtechs and larger brokers that want quote data as structured JSON for their own comparison screens, rating or placement analytics.

Sensible lists insurance quotes as a supported document type, including cyber and professional liability, in formats from carrier system output and indication letters to binder and renewal quotes. Its quote extractor returns the quote summary, each coverage’s limit, deductible, premium, endorsements and exclusions, binding requirements and subjectivities, minimum premium and audit provisions, and taxes and fees, all in one schema so quotes from different carriers can be compared in code. Low-confidence values go to human review, and Sensible says most production deployments reach 95%+ accuracy with validation rules (source). The same pipeline handles loss runs, dec pages and certificates, which often travel with a quote packet (source).

Key functionalities

• Insurance quote extraction endpoint with schema-enforced JSON output
• Layout rules for known carrier formats plus LLM parsing for the rest
• Confidence thresholds, validation rules and source highlighting for audit
• REST API, SDKs and webhooks; SOC 2 Type II

Pros:

• Insurance quote extractor covers commercial package, GL, WC, auto, cyber, professional, property and umbrella quotes
• One output schema across carriers, with every value linked to page and bounding box
• Published per-document pricing and a 14-day free trial

Cons:

• Extraction only: the comparison view and proposal are built on top
• Configuration work sits closer to engineering than a broker's desktop

Pricing: From $499/month for 750 documents ($0.57 per additional document); Scale $1,499/month for 3,200 documents. (source)

Verdict: Choose it when quotes from many carriers need to reach your own comparison or rating systems in one consistent, auditable shape.

3. CopyCat: Best for independent agencies whose bottleneck is the proposal

Quote only · SOC 2 Type IIFull profile →Visit site of CopyCat (opens in a new tab) ↗

Best for: Independent commercial agencies that build proposals by hand from multi-carrier quote packets, including E&S and Lloyd's quotes.

CopyCat reads carrier quote PDFs, E&S and Lloyd’s quotes, MGA binders and schedules, compares terms across markets with each value cited to the source page, and builds an editable proposal in the agency’s template. Its commercial page lists lines from property, GL and workers’ comp to cyber, management liability and E&S (source). It rewrites carrier wording in plain language for the client and says a SOC 2 Type II report is available under NDA (source).

Key functionalities

• Quote extraction without carrier templates
• Side-by-side comparison with source citations and chat across quotes
• Branded proposal generation with editing and PDF export
• Coverage gap recommendations and renewal change review

Pros:

• No per-carrier setup for quote PDFs, binders and schedules, per CopyCat
• Cited comparison plus a 1-page summary and full analysis
• Flat monthly fee with no annual contract

Cons:

• Price not published
• No AMS integrations named

Pricing: Not published; CopyCat says it charges a flat monthly fee with no annual contract, or usage-based pricing for larger agencies. (source)

Verdict: A focused choice for agencies that want better proposals out of their existing quote workflow.

4. Exdion Insurance: Best for large brokerages that want comparison and policy checking as a program

Quote onlyFull profile →Visit site of Exdion Insurance (opens in a new tab) ↗

Best for: Large P&C brokerages that want quote comparison, proposals, policy checking and endorsements from one vendor, with staff handling exceptions.

Exdion Insurance describes side-by-side quote comparisons with highlighted variances and a Proposal Builder that generates client-ready proposals from quotes, alongside policy checking, coverage gap analysis and endorsement requests. It calls its model SaaS+, with its own staff handling exceptions, and says 6 of the top 15 US brokers use it (source). HawkSoft lists Exdion as a strategic partner for quote comparison, proposals and policy checking (source).

Key functionalities

• Quote comparison with highlighted variances
• Proposal Builder
• Policy checking and coverage gap analysis
• Endorsement requests with AMS and Outlook integration

Pros:

• Quote comparison, proposals and post-bind policy checking from one vendor
• Human-in-the-loop handling of exceptions
• HawkSoft strategic partner

Cons:

• Pricing not published
• No security certifications named on its home or about page

Pricing: Not published; quoted by sales.

Verdict: A fit for big brokerages buying a managed program more than a self-serve tool.

5. FurtherAI: Best for teams that want quote comparison inside a wider AI workspace

Quote only · SOC 2 Type IIFull profile →Visit site of FurtherAI (opens in a new tab) ↗

Best for: Brokers and MGAs that also want submissions, marketing packets, policy checking and claims intake handled in one AI workspace.

FurtherAI says its broker product lays carrier quotes out “side by side with terms and pricing clearly highlighted,” produces placement summaries and builds client-ready proposals, and it lists policy checking with change tracking for renewals (source). The same workspace covers submission intake, SOV mapping and claims intake, and since July 2026 it connects to Applied Epic, AMS360, Sagitta and EZLynx (source).

Key functionalities

• Quote Compare and placement summaries
• Proposal generation
• Policy checking with change tracking
• Marketing packet assembly from client data

Pros:

• Quote compare, proposal generation and policy checking in one workspace
• Connectors to Applied Epic, AMS360, Sagitta and EZLynx
• SOC 2 Type II, ISO 27001 and HIPAA on its security page

Cons:

• Pricing not published
• Broker outcome figures on its site name no customer

Pricing: Not published; quoted by sales.

Verdict: Worth a look when quote comparison is one of several document jobs you want to automate together.

Conclusion: check the comparison against the quotes

Pick your last three accounts with four or more quotes, including at least one E&S or Lloyd’s quote, and run them through two shortlisted tools. Then check premium, taxes and fees, limits, deductibles and subjectivities in each comparison against the quote PDFs by hand. A proposal that understates a deductible or drops a subjectivity becomes an E&O problem, so favor the tool whose citations let an account manager confirm each figure on the quote page in a click or two.

How did we choose these tools?

The order is our editorial judgment of fit for the job this guide covers, not a test score. Prices appear only where the vendor publishes them or a cited source reports them; otherwise we name the pricing model and mark it "Quote only." SOC 2 status comes from each vendor's trust or security pages. These profiles are desk research: we have not run the products on real files. Full methodology.

FAQs

What is the best software for comparing commercial insurance quotes?

For agencies and brokers that want a side-by-side comparison and a client proposal in one tool, Outmarket is the strongest fit, with a published per-seat price and integrations with Applied Epic and AMS360 on its Enterprise plan. For teams that want quote data in their own rating, comparison or analytics systems, Sensible extracts quotes into one JSON schema across carriers with published per-document pricing.

How is quote comparison software different from a comparative rater?

A comparative rater sends one set of risk details to many carriers and returns prices, which works for personal lines and some small commercial risks. Quote comparison software starts after the quotes come back: it reads each carrier's quote document, lines up premium, limits, deductibles, forms and subjectivities, and turns the result into a proposal. Most mid-market and E&S quotes arrive as PDFs or emails, so they need the second kind of tool.

What should a commercial quote comparison include?

At minimum: carrier, total premium with taxes and fees, each coverage's limit and deductible or retention, endorsements and exclusions that differ between quotes, subjectivities and binding requirements, minimum earned premium and audit provisions, and the quote's expiry date. Sensible's insurance quote page lists most of these as default fields, which is a useful checklist for any tool.

Can AI extract data from insurance quote PDFs?

Yes. Outmarket, CopyCat and Exdion read carrier quote PDFs inside broker workflows, and Sensible offers an insurance quote extraction endpoint for developers. Sensible says most production deployments reach 95%+ accuracy with validation rules and confidence signals; other vendors publish time savings rather than accuracy. Check every premium and limit against the source page before a proposal goes to a client.

How much does insurance quote comparison software cost?

Outmarket Lite costs $83 per seat per month, or $1,000 per seat per year billed annually; Enterprise is quoted with a 5-seat minimum. Sensible starts at $499 per month for 750 documents ($0.57 per extra document) with a 14-day free trial. CopyCat charges a flat monthly fee it doesn't publish. Exdion and FurtherAI quote by sales.

Does quote comparison software connect to my agency management system?

Outmarket lists Applied Epic and AMS360 (two-way), HawkSoft and Nexsure, with AMS integrations on its Enterprise plan. FurtherAI lists connectors for Applied Epic, AMS360, Sagitta and EZLynx. Exdion is a HawkSoft strategic partner. CopyCat works alongside your existing systems and names no AMS integrations. Sensible returns JSON through an API, so your team writes it wherever it needs to go.