Built for licensed P&C professionals

The companion every
P&C producer needs.

Risq brings your tools together — from the live client call to your agency's carrier roster. Work smarter on your own, or roll it out across your whole team.

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risqcompanion.com/app Free trial — 7 days left
Sell
Build
My Agency
Right Now Tools Rate Check
Right Now
You're on a call. Tell Risq what's happening — get the exact words to say.
Rate increase Price objection Umbrella pushback Coverage reduction
Type what your client just said, or what situation you're in right now...
Ask Risq
Who it's for

One tool. Two ways to win.

Risq works standalone for individual producers — no agency system required. When you're ready to grow, it scales with your team.

For Individual Agents

Your edge on every call — no integration needed.

Risq works on its own, right alongside whatever system your office uses. You don't need admin access, an agency account, or anyone's permission to get started.

  • Get the right words in real time during a live client conversation
  • Generate comparison docs and welcome packets your clients can hold in their hands
  • Track your referral sources and pipeline in one place
  • See your book value — and what it's worth if you ever go independent
For Owner-Agents & Teams

Give your whole team consistent answers — instantly.

Load your agency's carrier appetite once. Every producer on your team gets instant risk placement answers without calling you, without guessing, and without getting it wrong.

  • Build your agency's carrier roster with custom risk rules and appetite notes
  • Producers get instant accept/decline/conditional guidance per carrier
  • Consistent messaging across your team on every client interaction
  • E&O compliance resources built in — not an afterthought
Sell + Build

Tools that help you grow — on every call and every follow-up.

From the moment a client picks up the phone to the welcome packet you drop in their inbox after binding — Risq keeps you one step ahead.

  • Right Now — On a live call and a client pushes back on price? Type what they said. Get the exact response to say back within seconds.
  • Comparison Generator — Upload two declarations pages and generate a clean, side-by-side comparison your client can actually read.
  • Welcome Packet — Drop the bound dec pages and Risq builds a personalized welcome document your client gets on day one.
  • Referral Tracker — Log your referral partners, track every lead they send, and see your pipeline at a glance.
Sell → Tools
Comparison Generator Welcome Packet
Welcome Packet Generator
Drop the bound dec pages — Risq reads them and builds a personalized welcome PDF your client can actually understand.
📄
Auto_Policy_Miller.pdf
📄
Home_Policy_Miller.pdf
Agent contact info will be included — pulled from Settings.
Generate Welcome Packet (2 files)
Agency Dashboard

Your agency's risk appetite. Searchable in seconds.

Load your carriers once. Every time a client comes in with a trampoline, a pit bull, or a prior lapse — your whole team knows exactly where to place them before anyone picks up the phone.

  • Add carriers and upload their appetite guidelines — Risq parses and organizes the rules automatically.
  • Search any risk factor instantly: trampoline, DUI, Rottweiler, commercial use — get an accept, decline, or conditional answer per carrier in real time.
  • Keeps every producer on your team aligned, without the back-and-forth.
My Agency → Risk Locator
Risk Locator
3 carriers in your agency
trampoline
4 results for "trampoline"
Carrier A
Liability · Trampoline on premises
✗ Decline
Carrier B
Liability · Trampoline with net enclosure
⚠ Conditional
Carrier C
Homeowners · Trampoline — any type
✓ Accept
P&C Pro
E&O Resources

State-by-state compliance — always within reach.

Every state has different minimums, different E&O landmines, and different rules your clients don't know and most agents forget. Risq keeps it all in one place.

  • Coverage minimums and what you should actually recommend instead — for every state you write in.
  • E&O landmines specific to each state — the coverage gaps and documentation requirements that lead to claims against agents.
  • PIP, UM/UIM, stacking rules, fault vs. no-fault status — pulled up instantly when you need them.
  • Direct links to each state's Department of Insurance — for when you need the source.
My Agency → State Regulations
Pennsylvania
Last verified: 2026-04-08
Tort State
Auto Liability Minimums
BI / Person
$15K
BI / Occurrence
$30K
Prop. Damage
$5K
Recommended: 100/300/100 or 250/500/100 for most clients
E&O Landmines
PA requires written tort election signed by ALL resident relatives — missing signatures default to full tort.
Stacking waiver must be on the PID-prescribed form — verbal declination is legally insufficient.
$5K PD minimum is dangerously low — always document when client declines higher limits.
What producers are saying

Real agents. Real situations.

★★★★★

"I had a client threaten to leave over a $12/month rate increase. I typed it into Risq mid-call and read the response back almost word for word. He stayed. That was my first week using it."

MR
Marcus R.
P&C Producer · Philadelphia, PA
★★★★★

"I set up our carrier appetite in the Risk Locator on a Tuesday afternoon. By Thursday my two newer producers stopped asking me where to place risks. The ROI on that alone is worth it every month."

DL
Dana L.
Agency Owner · Columbus, OH
★★★★★

"The E&O section is what sold me on Pro. I've been writing in three states for two years and I didn't know half of what's in there. Every agent should have this — it's not optional information."

TK
Theresa K.
Independent Agent · Tampa, FL
Pricing

Simple, honest pricing.

No seats fees, no setup charges, no contracts. Start free for 7 days and cancel anytime.

P&C Lite
$10
per month
  • Right Now — live call response tool
  • Comparison Generator
  • Welcome Packet Generator
  • Referral tracking & pipeline
  • Agency risk dashboard (Risk Locator)
  • E&O resources & state regulations
Start free trial
Most Popular
P&C Pro
$15
per month
  • Everything in P&C Lite
  • State coverage minimums — all 50 states
  • E&O landmines by state
  • PIP, UM/UIM & stacking rules per state
  • DOI links & compliance references
  • Rate Check — compare against state averages
Start free trial

Both plans include a 7-day free trial. No credit card required to start.

Get started today

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Try Risq free for 7 days. No credit card. No commitment. Just better conversations starting tomorrow.

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