Coverage Answers Your Agency Can Stand Behind.
PolicyIQ answers any coverage question straight from your agency's own policy documents — every answer cited to the exact page, shared across your whole team, and never routed through consumer AI like ChatGPT, where client data doesn't belong.
Your Clients' Data Doesn't Belong in ChatGPT.
Here's the uncomfortable part of "just paste it into ChatGPT": to get an answer, your team types in the client's actual question — names, policy numbers, VINs, addresses, claim details. That PII just left your agency and landed in a consumer tool you don't control, on terms you didn't write.
PolicyIQ is built the opposite way. Questions and documents stay inside a controlled, access-scoped agency system. Answers come only from your uploaded policies — not the open internet. Every agent sees only the documents assigned to their group, every chat is logged for admins to review, and nothing is shared across agencies or used to train a public model.
Speed is the easy part — any tool can sound fast. The question that actually matters for an agency is whether an answer is sourced, reviewable, and safe to put in front of a client. That's the part we won't compromise on.
Your Agents Shouldn't Spend 15 Minutes Searching for One Answer
Insurance agents waste hours every week digging through policy PDFs to answer client questions — flipping through endorsements, cross-referencing coverage forms, deciphering legal language.
PolicyIQ lets your team type a question in plain English and get the answer in seconds — with a citation linking to the exact page and paragraph in the source document.
How PolicyIQ Works
Three steps. No training required. Your team can start asking questions in minutes.
Send Us Your Policies
Send your policy PDFs to Applied AI Partners — coverage forms, endorsements, declarations, conditions. We upload, process, and index every page for you, including scanned documents.
Ask a Question
Type any question in plain English: "Does this policy cover water damage from a burst pipe?" PolicyIQ translates your question into formal policy language and searches across all relevant documents.
Get a Cited Answer
Watch the answer stream in live as PolicyIQ writes it, then get clickable citations showing the exact document, page number, and relevant text. Verify any answer with one click.
See PolicyIQ in Action
Built for How Insurance Agents Work
Cited Answers You Can Trust
Every response includes linked citations to the source document with page numbers and relevant snippets. Color-coded confidence levels show you how grounded each answer is in actual policy text.
- Green: Grounded in policy text
- Yellow: May include inference
- Orange: Limited policy match
Scenario Analysis
Describe a claim in plain English — "wind took shingles off in a storm and water got in" — and PolicyIQ returns a structured verdict: covered, not covered, or needs review, what the client is owed, and which exclusions to check first. Every line cited back to the policy.
Renewal Diff
Drop in last year's and this year's dec pages and PolicyIQ flags every change — premium delta, coverage changes, added or removed endorsements, new exclusions — then drafts the client-ready email explaining it. Add the rating factors behind the price (insurance score, experience modifier, paperless / annual-pay / EFT discounts, military status) and changes get highlighted and woven into the explanation, so you walk into the renewal conversation with the "why did my premium go up" answer ready. Every comparison is saved by client for you and your whole team to pull up later, links to the client in your CRM (AgencyIQ, Pipedrive, or HubSpot), logs to their timeline, and sends the email right from the comparison screen. Renewal reviews across a big book go from hours to minutes.
Rating & Classification
A dedicated mode for the quoting questions policy forms don't answer: GL and property class codes pulled from your carrier's own classification manuals (cited to the page), NAICS industry codes, and vehicle GVWR / size-class straight from the VIN. Every number is sourced — from your manual, from authoritative public data, or honestly labeled "not available" — never guessed.
Call Mode
Client on the phone? Flip on Call mode and PolicyIQ answers with just the bottom line — covered or not, the condition that decides it, and the citation — in a fraction of the time a full write-up takes. Same search, same verification, same cited sources; only the answer gets shorter. Toggle it off for the complete breakdown.
Understands Insurance Language
Ask "does it cover water damage?" and PolicyIQ automatically expands your search to include flood, burst pipes, water backup, sewer overflow, and related policy terms. No need to know the exact legal wording.
Multi-Document Search
PolicyIQ doesn't just search one document — it automatically identifies which policies, endorsements, and coverage forms are relevant to your question and synthesizes a complete answer across all of them.
Built-In Knowledge Base
Upload your onboarding manuals, SOPs, and new hire checklists into a dedicated Knowledge Base. New employees ask plain-English questions and get cited answers — without interrupting your senior agents every five minutes.
Managed Setup & Support
Applied AI Partners handles your entire setup — document uploads, user invitations, and ongoing support. You focus on serving clients while we keep PolicyIQ running smoothly.
Conversation Memory
Ask follow-up questions naturally. "What about if the damage was from a flood?" — PolicyIQ understands context from your conversation history and resolves follow-ups automatically.
Gap Tracking
PolicyIQ logs questions it can't answer confidently, so admins can see what's missing from their document library. Know exactly which policies to upload next.
What Agencies Say About Working With Applied AI
"Applied AI Partners helped us improve our retention rate from 92% to 96% by putting better systems in place, automating key processes, improving communication speed, and creating a better overall client experience."
Josh Marks
Marks Agency — Sandpoint, ID
"Applied AI Partners was instrumental in helping us streamline our CRM system with automations and a fully integrated phone system. It would have been a nightmare to set up without their expertise."
Jamey Hix
Jamey Hix Agency — Orofino, ID
What Agents Ask PolicyIQ
During Client Calls
"Does this homeowner's policy cover mold remediation?" — tap the mic and ask hands-free while the client is still on the phone, instead of calling them back later.
Explaining Coverage
"What are the exclusions on this commercial property policy?" — Get a clear summary you can walk the client through, with source references if they want to see the actual language.
Training New Agents
"What's the difference between occurrence and claims-made?" — New agents can learn policy details on demand without pulling a senior agent off their work.
Quote the Right Policy. Every Time.
Every PolicyIQ answer is gated by code that checks the cited snippet against the source page before your team ever sees it. ChatGPT has no such gate — and a confident wrong answer in front of a client costs more than the time it saves.
PolicyIQ v2 was rebuilt around a deterministic citation validator after one of our pilot agencies told us a confidently wrong answer almost cost their team's trust. The validator is the difference between "sounds right" and "is right."
The Expert Behind Every Answer Has a Name: Q
Every answer PolicyIQ gives you comes from Q — our insurance-literate AI. In PolicyIQ, Q reads your agency’s entire policy library and answers with cited sources. And Q isn’t only here: it’s built into every Applied AI tool.
Not a bolt-on chatbot. A built-in expert.
Most software bolts on a chatbot that has read a help doc and nothing else — you ask it about your work and it knows nothing about your work. Q is the opposite. Q is an insurance-literate assistant that is already reading the file in front of you: it has the full context before you type a word, answers in plain English a busy agent can use, and points you at the next step.
It is built by people who run insurance agencies, for the way agents actually work — on a call, mid-renewal, prepping for a meeting. Not a robot that knows nothing. An expert that has read the file.
On any policy, ask Q:
- Does this HO-3 cover water backup from a sump-pump failure?
- Summarize this commercial client’s coverage in plain English.
- What changed between last year’s policy and this renewal?
Simple, Transparent Pricing
No hidden fees. No per-query charges. Unlimited searches.
$130
per agency / month
+ $20
per user / month
- Unlimited policy searches
- Unlimited document uploads
- Knowledge Base — onboard new hires with your own manuals & SOPs
- Managed setup & support
- Gap tracking & analytics
$104
per agency / month
billed annually ($1,248/yr)
+ $16
per user / month
billed annually ($192/yr)
- Everything in Monthly
- 20% discount (billed annually)
- Priority support
- Early access to new features
Example: A 5-person agency pays $230/mo (monthly) or $184/mo equivalent (annual).
Bundle multiple tools for additional discounts — ask us about our multi-tool pricing.
More on AI Policy Search
Deeper reads on how AI policy search tools work and where they fit in your agency.
Comparison
Best Policy Search Tool for Insurance Agents in 2026
What to look for in an AI policy search tool, how PolicyIQ compares, and why ChatGPT alone isn't enough.
Read article →How it works
How AI Answers Insurance Policy Questions in Seconds
A look under the hood at hybrid search, query expansion, and cited answers — and why they matter for client work.
Read article →Free guide
Stop Digging Through PDFs — The Agent's Playbook
A free guide for agencies cutting policy lookup time from minutes to seconds with AI-powered search.
Get the guide →Pairs with
Add MeetingIQ for Full Service-Touch Capture
PolicyIQ answers the policy question mid-call. MeetingIQ records, transcribes, and pushes action items to your CRM so the conversation isn't lost. Built to work together.
Learn more →PolicyIQ Questions
What types of documents can PolicyIQ search?
PolicyIQ works with any PDF insurance document — coverage forms, endorsements, policy declarations, common policy conditions, and more. It handles both digital and scanned PDFs with built-in OCR.
How accurate are PolicyIQ's answers?
Every answer is grounded in your actual policy documents with color-coded confidence levels. High-confidence answers are pulled directly from policy text. You can click any citation to verify the source yourself.
Why not just use ChatGPT for policy questions?
ChatGPT can sound confident even when it's wrong about your carrier's forms — and most agencies don't have the time to fact-check every answer. PolicyIQ is built so that can't happen: every cited snippet is checked word-for-word against the source page before the answer ships. If the citation doesn't match the document, the answer never reaches your team. PolicyIQ also knows your carrier's vocabulary (HO Coverage C, NCCI class codes, endorsement codes like I282), citations open to the exact page of the source PDF with the snippet highlighted, and the whole agency shares one library with an admin audit trail. ChatGPT-in-a-project lives on one laptop with no agency-wide visibility.
Is PolicyIQ secure for sensitive insurance documents?
Yes. PolicyIQ uses role-based access control so agents only see documents assigned to their group. All data is encrypted in transit and at rest. Documents are stored securely and never shared across agencies.
How long does it take to set up PolicyIQ?
Most agencies are up and running within a day. Send your policy PDFs to Applied AI Partners, accept your invites, and start asking questions. No complex integrations or IT support required.
Can different teams see different policy documents?
Yes. Admins can create groups and assign specific documents to each group. Personal lines agents see personal lines policies, commercial agents see commercial policies — fully configurable.
What happens if PolicyIQ can't find the answer in your documents?
Your agent isn't dead-ended on the call. PolicyIQ gives a senior-P&C-style answer behind a clear "outside your uploaded policy documents" banner — so the agent has something useful to say to the client, without any chance of a fabricated carrier-specific citation. The question is also logged in the gap report so admins can see what's missing from the document library and know which policies to upload next.
What is the Knowledge Base tab?
A dedicated section where agencies upload training documents, onboarding manuals, SOPs, and new hire checklists. New or junior employees can search it with plain-English questions and get cited answers — so they're not constantly interrupting senior agents with routine questions. It turns your internal knowledge base into an on-demand training assistant.
What is Q, and how is it different from a chatbot?
Q is the AI assistant built into every Applied AI tool. Unlike a bolt-on website chatbot that only knows a help article, Q already has the full context of whatever you're working on and answers as an insurance-literate assistant — in plain English an agent can use on a call. In PolicyIQ, Q reads your agency's policy library and answers coverage questions with cited sources. The same Q rides along in MeetingIQ (on recorded meetings), CalendarIQ (on bookings), ChatIQ (on website conversations), and AgencyIQ (on client records) — one expert across the whole suite, so your team learns it once and has it everywhere.
Ready to Stop Digging Through PDFs?
Sign up today and see how PolicyIQ transforms the way your agency handles policy questions.
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