Policies & renewals built in, not bolted on

CovioIQ vs HubSpot:
Insurance-Native CRM for Canadian Brokers

HubSpot is a superb general-purpose CRM with best-in-class marketing tools. Out of the box it does not model policies, renewal dates or churn risk; you would typically build those with custom objects, which sit in higher-tier plans. CovioIQ ships client and policy records, a renewal pipeline and rule-based churn-risk scores ready to use, built around PIPEDA and Quebec Law 25, at published prices.

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No credit card required • No custom objects to build • Import your book from CSV

Side-by-Side Comparison

Insurance-Native

CovioIQ

$149/mo

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

Client and policy records (native)
Renewal pipeline that fills itself 90 days before expiry
Rule-based churn-risk scores, reasons shown
English and French interface
Built around PIPEDA and Quebec Law 25
Data hosted in Canada (AWS Canada Central)
Opportunities pipeline with weighted forecast
Transparent public pricing
No consultants needed; import your book from CSV
No custom objects or ops team needed

Start Free Trial

HubSpot

Per-seat, tiered

Free tier; paid Hubs typically scale per seat

Best-in-class marketing automation
Generous free CRM tier
Large app marketplace
Excellent email & inbound tools
Polished, easy-to-learn UX
French-language interface available
Native policy / renewal objects
Insurance churn-risk scoring built in
Renewal pipeline that fills itself 90 days before expiry
Positioned specifically for Canadian brokers
Insurance workflows without setup

Key Differences

Data Model

HubSpot models contacts, companies, and deals; you would typically build policies and renewals as custom objects. CovioIQ treats clients, policies and renewals as first-class records from day one.

Insurance concepts, not workarounds

Pricing at Scale

HubSpot's free tier is generous, but the automation and reporting brokers need typically sit in paid Hubs that scale per seat. CovioIQ publishes its plans: from $49/mo CAD, Team $149/mo for up to 5 users, Agency $349/mo with unlimited users.

Predictable as your team grows

Canadian Fit

HubSpot is a global platform. CovioIQ is built for Canadian P&C brokers: built around PIPEDA and Quebec Law 25, English and French interface, and data hosted in Canada.

English and French, hosted in Canada

When to Choose HubSpot Over CovioIQ

HubSpot is an outstanding platform, especially for marketing. Consider HubSpot if you:

Run heavy inbound marketing, content, and lead-nurturing campaigns at scale
Want one platform across marketing, sales, and service beyond insurance
Have a marketing-ops resource to configure custom objects and workflows
Are early-stage and want to start on a free general-purpose CRM

If your day is policies, renewals, and retention rather than marketing funnels, CovioIQ gives you insurance-specific records, a renewal pipeline and churn-risk scores without rebuilding them on a general-purpose CRM.

days before expiry, renewals enter the pipeline

0–100

churn-risk score, reasons shown

day free trial

EN/FR

bilingual EN/FR

Try CovioIQ Risk-Free for 14 Days

No credit card required. No custom objects. No consultants needed; import your book from CSV.