Coverly vs. Spreadsheets

Your spreadsheet can't quote 4 carriers in 90 seconds

A shared Excel or Google Sheet can store a quote row — it can't parallel-rate-shop against it. Coverly's intake fans out to AIG, Lincoln Financial, Northwestern Mutual, and Pacific Life at once and returns their prices in under 90 seconds. Your producers stop retyping and start closing.

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Feature	Coverly	Manual Spreadsheet
Multi-carrier quoting (5+ carriers, parallel)	✓ 4 carriers in 90 seconds	— Manual rekey per carrier
AI lead scoring (hot/warm/cold)	✓ Auto-tagged on submit	— Manual color column
Insurance carrier API integration	✓ AIG live + more	— Copy/paste from carrier site
Automated email nurture sequences	✓ Hot/warm/cold cadence	— Manual email blast
CRM with contact history (contact_events)	✓ Full event log per lead	— "Notes" column
Broker/B2B booking flow	✓ Self-serve pilot form	— Separate intake sheet
Policy lifecycle tracking	✓ Quote → bind → renew	— Static row, no state
Insurance-specific workflow builder	✓ Lead → quote → select → nurture	— Generic sheet, no automation

Where Coverly wins

Multi-carrier quoting, parallel — not serial. One intake fans out to AIG, Lincoln Financial, Northwestern Mutual, and Pacific Life at once and returns their prices in parallel under 90 seconds. A spreadsheet forces your producer to log into each carrier site, copy a price, and paste it into a row — one at a time.
≈90 seconds vs. ≈45 minutes of manual rekey. Coverly compresses the rekey-and-reconcile grind into a single form submit. Your producers stop typing carrier prices and start calling the leads the system has already qualified.
Attribution visibility. Every quote event is logged in contact_events with partner attribution and source. A spreadsheet's "Notes" column can't tell you which embed, partner, or campaign produced a bound policy.

Where a spreadsheet wins

Zero learning curve. Anyone in the agency can open a sheet. Coverly requires an onboarding step — though light, it's still a change from the status quo.
No new vendor. A spreadsheet has no third-party counterparty, no contract renewal, and no SLA to renegotiate. Total cost of ownership is whatever your Google Workspace bill is.
Fully owned by the agency. The data lives in your drive. No platform can change a column, deprecate an API, or sunset a feature on you. Coverly is a managed platform, so the data trade-off is real.
Works offline. A sheet doesn't care if your internet is down or a carrier is rate-limiting your quote calls. Useful during carrier outages or on the road.

The cost of a stale spreadsheet row

Every minute a quote sits in an unflagged cell is a producer you forgot to call, a carrier price you re-typed, and an attribution you lost when someone hit "save." The four leaks:

Lead-loss math. Up to 60%+ of inbound goes cold before a producer responds to a static row.
Time-saved-per-quote. ~45 min of manual rekeying vs. Coverly's 90-second parallel intake.
Attribution visibility. 0% coverage from a Notes column vs. every event in contact_events.
Carrier API integration. Copy/paste versus Coverly's AIG live + more carriers.

up to 60%+

of inbound leads go cold before a producer responds if they're sitting in a static row unflagged for a hot/warm/cold cadence

≈45 min

of manual rekeying per quote when producers paste carrier prices into the sheet — time Coverly compresses to a single intake

attribution coverage you get from a "Notes" column — Coverly's contact_events log records every quote → select → bind by partner and source

Your spreadsheet can't quote 4 carriers in 90 seconds

Where Coverly wins

Where a spreadsheet wins

Stop losing leads to a stale spreadsheet row