Quote-stage vs bind-stage document tools for Ontario brokers

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Do I need different software for quote vs bind?

Usually no. Same intake layer, different checklist depth. Your BMS still owns rating and bind.

What belongs at quote only?

Identity basics, prior insurer hints, vehicle or dwelling sketch, and mandatory disclosure acknowledgements — enough to quote honestly without pretending the file is bind-complete.

What must be complete before bind?

Typically full DEC pages, abstracts, signed applications, payment setup, and any underwriter supplements — your office and carrier standard is the list. Hivi-X tracks the lines.

Can CSRs collect bind docs while the producer quotes?

Yes. Co-agent access on the same checklist keeps one missing-item view.

Does Hivi-X bind policies?

No. It organizes pre-bind documents. Binding stays in your BMS or carrier portal.

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