Comparison

Why a BMS alone does not solve the client document chase

A broker management system handles policies, eDocs, rating, and accounting — but pre-bind client intake often still happens in email, text, and carrier portals. Hivi-X fills that gap with checklist-driven document collection, missing-item tracking, and exportable packages you upload into Applied Epic, Vertafore SIG, or Power Broker. Hivi-X does not ingest CSIOnet eDocs or replace your BMS.

Your BMS is the system of record for policies, renewals, and eDocs. It was built for policy administration — not for chasing a client's driver abstract, a five-year loss run, or proof that mandatory disclosures went out before quote.

That pre-bind intake gap is where files stall. Producers re-type the same document list in email; CSRs forward attachments into the wrong client folder; principals cannot see whether the file was complete before bind. The BMS gets the policy — eventually — but the chase happens outside it.

Hivi-X sits in front of your BMS: checklist-driven intake, secure client uploads via the my-id.ca portal, approve/reject workflow, voice summaries, and an exportable PDF package for the BMS client folder. You keep Applied, Epic, or SIG for everything they already do well.

Capability	BMS-only workflow	Hivi-X
Policy admin / eDocs / rating
Tracks missing pre-bind intake documents	policy-centric
Reusable broker intake checklists
Secure client document portal
Voice + AI file notes
Organized export for BMS upload
Hosted in Canada / self-hosted AI	varies by vendor
Ingests CSIOnet eDocs

What Hivi-X does that BMS-only workflow doesn't

Checklist-centric missing-item tracking — BMS dashboards are policy-centric.
Reusable Ontario intake templates for auto, renewal, and commercial.
Secure encrypted client portal instead of email attachments.
Voice notes + self-hosted AI summaries for call and file notes.
Exportable PDF package designed for BMS client-folder upload.
Hosted in Canada with self-hosted AI — does not replace policy admin or eDocs.

Fill the pre-bind intake gap

Checklist-driven collection, my-id.ca uploads, and exportable packages alongside your BMS.

Book a 15-minute demo

FAQ

No. Hivi-X is a document-collection and client-file organization layer. It complements your BMS — you export organized intake packages into the system you already use for policies, eDocs, and accounting.

You can — but email attachments and ad-hoc uploads do not give you missing-item tracking, approve/reject workflow, or a checklist view of what the file needs before quote. Hivi-X structures pre-bind intake, then you upload the finished package to your BMS.

General information for Ontario insurance brokers only. Not legal or compliance advice. Not affiliated with RIBO, FSRA, or any insurance brokerage. Hivi-X is document-collection software — it is not a registered insurance broker, does not provide insurance advice, and does not guarantee RIBO or O. Reg. 991 compliance. Consult qualified counsel and your E&O carrier.

Comparison based on publicly available product information. Trademarks belong to their respective owners. Last updated 2026-07-09.