5-Year Net ROI

$27.0M
70.1xper $1

Payback Period

0.5 mo
full recovery

Year 1 Value Created

$2.4M
pre-compounding

Hours Freed / Year

2,200h

Error Cost Eliminated

$60.0K

Addl Bound Policies

35/mo

5-Yr Comm. Growth

$18.6M

Total Value by Year - All Sources

Stacked by value driver. Compounding premium commissions dominate as the renewal stack builds.

Executive Narrative

At a 10% commission rate on $50.0M in current premium, with 20% annual new business growth and 80% renewal retention, deploying CoverForce creates $27.0M in net value for Your Company over 5 years at a total investment of $385.0K.

That is a 70.1x return with payback in 0.5 months. Year 1 alone generates $2.4M - 611% of the total 5-year investment recovered in the first year.

The compounding renewal stack is the key driver: every dollar of new premium written this year renews at 80%, stacking on next year's new business to create an expanding annuity that grows automatically. Waiting 12 months to deploy means $2.4M in Year 1 value is permanently foregone - not deferred.

Net ROI

$27.0M

Payback

0.5 mo

Multiple

70.1x

FAQ

Have questions? We got answers

The CoverForce ROI calculator is an interactive tool that lets insurance brokers, wholesalers, and agencies model the financial return of automating submission intake, quoting, and binding with CoverForce over a five-year period. It projects net ROI, payback period, return multiple, annual hours freed, and additional bound policies per month based on your own business inputs.

The calculator accepts your company profile (annual and bound premium, commission rates, growth and retention rates), operations data (monthly quote volume, current and projected bind rates, time per quote, staffing costs), quality metrics (manual error rates and rework costs), and technology costs (implementation fees, subscriptions, and in-house build costs). It uses these to estimate ROI specific to your business.

The calculator produces a projected 5-year net ROI, payback period, return multiple per dollar invested, Year 1 value creation, hours freed annually, and additional bound policies per month. Figures shown on the page are illustrative examples that recalculate from your inputs, and it also models compounding premium commissions and the cost of delaying implementation.

CoverForce improves ROI by cutting time per quote, raising bind rates, and reducing manual error and rework across submission intake, quoting, and binding on 60+ carrier and MGA integrations. Faster multi-carrier quoting frees staff hours and lets teams bind more policies, while higher retention and compounding renewal commissions increase premium over time. The calculator quantifies these effects for your business.

The ROI calculator is built for insurance agencies, brokers, wholesalers, and MGAs evaluating whether to automate quoting and binding with CoverForce or build and maintain carrier integrations in-house. By entering their own premium, quote volume, and cost data, decision-makers can compare CoverForce's usage-based platform against manual workflows and internal build costs before committing.