ARLO CRM is an agency management system for independent insurance agents in Florida. It handles the parts of the job that are specific to this state: Citizens eligibility and depopulation letters, surplus lines placements, wind mitigation and 4-point inspection reports attached to the property file, flood as a separate line, and renewal cycles that all land at once when hurricane season starts. Flat pricing for the whole agency at $99, $199 or $299 a month — not per user — with a 14-day free trial.
Florida agents lose hours every month to Citizens paperwork: eligibility checks, depopulation offers, takeout letters that must reach the insured before a deadline. ARLO keeps every property document on the client file — wind mitigation, 4-point, roof age, elevation certificate — so an eligibility question is answered from the record instead of a phone call, and the renewal diary flags takeout deadlines before they expire.
When the admitted market declines the risk, the file moves to E&S. ARLO tracks the diligent effort declinations, the surplus lines documentation and the broker of record on the same policy record, so an audit or a carrier question is answered from one screen rather than an email chain.
Florida books renew in clusters, and a missed renewal in June is a claim denied in September. The renewal diary and the E&O diary run at 60, 30 and 7 days before every expiration, with a task assigned to the producer who owns the client — not to a shared inbox nobody reads.
Most newly licensed 2-20 and 4-40 agents in Florida cannot get appointed until they show volume. ARLO's market access lets an agent quote and place personal lines through established Florida appointments — auto, home, flood, condo — while keeping ownership of the client, and the CRM comes with it.
ARLO is used by independent agencies nationwide, but it was built inside a Florida agency, so Florida workflows are first-class: Citizens documentation, wind mitigation and 4-point uploads, flood as its own line of business, surplus lines tracking and hurricane-season renewal batching.
ARLO is flat-rate for the whole agency: $99 a month for a solo agent, $199 for a small team and $299 for an agency, with no per-user fee. Legacy systems such as Applied Epic, EZLynx and HawkSoft are typically billed per user at roughly $150-$200 each per month, so a four-person Florida agency often pays five to six times more.
Yes. Market access lets an agent quote and bind personal lines through existing Florida carrier appointments while the client stays theirs, and the CRM is included in that plan.
Yes, unlimited ACORD applications (125, 126, 127, 130, 140), ACORD 25 certificates and ACORD 27/28 evidence of property, prefilled from the client record and issued as signed PDFs.
Yes. Clients, policies, premiums and commissions import from spreadsheet or from a prior system, and carrier download through IVANS keeps policy data and premiums current after that.
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