Published pricing from $49/mo CAD

CovioIQ vs Applied Epic:
A Lighter Broker CRM Alternative

Applied Epic is an industry-standard broker management system, typically priced by quote with an implementation project. CovioIQ is a lighter CRM with client and policy records, a renewal pipeline and rule-based churn-risk scoring, from $49/month CAD. It is not a full agency management system. Built for Canadian brokers, around PIPEDA and Quebec Law 25.

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No credit card required • Cancel anytime • Import clients from CSV

Side-by-Side Comparison

Recommended for Canadian Brokers

CovioIQ

$149/mo

Team plan • Up to 5 users • Plans from $49/mo CAD

Renewal pipeline that fills itself 90 days before expiry
Rule-based churn-risk scores, reasons shown
Client and policy records
Built around PIPEDA and Quebec Law 25
English and French interface
Data hosted in Canada (AWS Canada Central)
No consultants needed; import your book from CSV
Email support
CSV import and export
Mobile-friendly dashboard

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Applied Epic

Priced by quote

Pricing varies • Contact sales

Renewal management
Policy tracking
Commission tracking
Carrier integrations and CSIO downloads
Churn-risk score on every renewal (not listed in public materials)
Renewal pipeline that fills itself 90 days before expiry
Transparent public pricing
Self-serve sign-up with a free trial
Typically an implementation project
Dedicated implementation team
Phone and account support

Key Differences

Pricing Transparency

CovioIQ shows pricing publicly: Solo $49, Solo Pro $79, Team $149 and Agency $349 per month (CAD). Applied Epic typically requires a sales call and custom quote.

Plans from $49/mo CAD

Setup

CovioIQ: no consultants needed; import your book from CSV. Applied Epic: typically an implementation project with a dedicated team.

Self-serve CSV import

Canadian Privacy

CovioIQ is built around PIPEDA and Quebec Law 25, with client and policy data hosted in Canada. Applied also offers Canadian hosting; check the terms of your own contract.

Data hosted in Canada

Running CovioIQ beside Epic today

Most brokerages on Epic are not shopping for a replacement, and this page is not asking you to consider one. Epic is the system of record. The question worth asking is whether the client follow-up around it is happening anywhere reliable, or in spreadsheets and people's heads.

How the data actually moves

There is no live connection between CovioIQ and Epic. None. Policies come across by CSV export from Epic and import into CovioIQ, which maps client and policy columns and reports what it could not read rather than failing silently. BMS integrations are on the roadmap with no committed date, which is how the integrations page labels them.

A periodic export suits a renewal pipeline that works 90 days ahead. It does not suit anything needing same-day accuracy on policy detail, and for that you stay in Epic. If live two-way sync is a requirement now, this is not the product.

What each one ends up doing

Epic: policy administration, accounting, carrier download, documents, compliance. The authoritative record.
CovioIQ: which renewals are coming, which clients look at risk and why, who has been contacted, and what was said. The work that happens between policy transactions.

If that split does not describe a gap you actually have, you do not need a second system. That is a real answer and it is fine.

When to Choose Applied Epic Over CovioIQ

Applied Epic is still the right choice if you:

Need direct carrier integrations and CSIO downloads (CovioIQ has none yet; connections to carriers and broker management systems are planned with no date committed)
Have 50+ users and need enterprise SSO / custom workflows
Require accounting, trust reconciliation and commission statements (CovioIQ is not an accounting system)
Already have an Applied implementation team and don't want to migrate

For smaller Canadian brokerages that mainly need client, policy and renewal workflows, CovioIQ covers the core CRM at published prices, and you can start with a CSV import.

days before expiry, renewals enter the pipeline

0–100

churn-risk score, reasons shown

day free trial

EN/FR

bilingual EN/FR

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No credit card required. Cancel anytime. No consultants needed; import your book from CSV.