Advocate review: pricing, features and client output
Advocate reads commercial policies, checks them for coverage gaps and builds client proposals from that data. Higher plans add market price benchmarks so you can spot renewals that cost too much.
It is sold direct with a free plan for policy reviews. Proposals start on Starter at $49 a user a month billed yearly.
- Best for
- Commercial brokerages that price renewals against market data across a book
- Type
- Commercial renewal and proposal platform
- Lines
- Commercial property
- Price
- Proposals from $49 a user a month billed yearly
- Free trial
- 14 days of Premium, no card
- What the client gets
- A paginated proposal built from templates and exhibits
- Contract
- Monthly or yearly on Starter. Yearly on higher plans
Our take
Advocate suits commercial property teams that want proposals and renewal pricing in one record. The tools for blankets and towers (layers of excess limits) go deeper than most proposal software.
The price climbs fast. Benchmarks start on Professional at $375 a user a month, and that plan needs a yearly commitment.
Use the free trial on a real renewal. It runs on Premium, so you see every feature before you pick a plan.
Pros
- Free plan for unlimited policy reviews
- Extracted fields cite their source document
- Blanket and layered program analysis
- Renewal pricing against market data
- 14-day Premium trial with no card
Cons
- Benchmarks start at $375 a user a month
- Professional and Premium need a yearly commitment
- No AMS or CRM connection
- Commercial property only
- The price detail report can't be exported
Plans and pricing
| Plan | Billed yearly | Billed monthly | What it adds |
|---|---|---|---|
| FreePolicy reviews only | $0 | $0 | Unlimited AI policy reviews and the Coverage Library. No proposals |
| StarterProposals with coverage analysis | $49 | $75 | AI proposals, saved cases and policy history |
| ProfessionalRenewal pricing | $375 | Yearly only | Price benchmarks, at-risk renewals and servicing workflows such as COI collection |
| PremiumFull market search | $995 | Yearly only | Unrestricted search of the market database with 100+ filters |
| EnterpriseLarge brokerages | Quote only | Quote only | SSO, the API, custom workflows and onboarding |
Prices are per user each month in US dollars, as of October 2026, from advocate.app. A user is one person who signs in.
What it would cost you
Cost per month
First-year cost
Cost per proposal
Uses the per-user prices in the table above, before taxes.
Good to know before you buy
- The trial runs on Premium, with carrier appetite search capped at 3 runs a person.
- When the trial ends the account drops to Free. Your data stays, but paid features lock.
- Adding a card during the trial starts the paid plan right away.
- Published prices leave out taxes.
Which plan has it
| Feature | Free | Starter | Professional | Premium | Enterprise |
|---|---|---|---|---|---|
| AI policy reviews | |||||
| Proposals with coverage analysis | |||||
| Saved cases and policy history | |||||
| Price benchmarks in proposals | |||||
| At-risk renewal list | |||||
| Dedicated customer success | |||||
| Unrestricted market search | |||||
| SSO and REST API |
Lines and who it fits
- Type
- Commercial renewal and proposal platform
- Lines
- Commercial property, including multi-location real estate
- Built for
- Commercial brokerages. Carriers and distributors also use it
- New business or renewals
- Both. Renewals are sorted by expiration date
- How you buy it
- Direct from Advocate, self-serve up to Premium
What goes in
| Source | File types | How it gets in |
|---|---|---|
| Policies and certificates | Policy documents | Drag and drop |
| Supporting files | Mixed documents | Uploaded to the case |
| Statement of values | Excel, CSV, PDF or image | Upload, then map the columns |
| Case, asset and premium records | Advocate records | Already in the platform |
| Market data | Advocate's own data set | Built in |
Case files can be renamed, merged and tied to a policy or asset.
How it reads documents
- How it reads
- AI extraction, with manual entry as a fallback
- What it pulls
- Limits, deductibles, coverage gaps, assets, layered towers, blankets and shared limits
- Source trace
- Each extracted field cites the document it came from
- Who checks
- Agency staff confirm policy settings beside a compliance checklist and the source viewer
- When it fails
- Restart the run or build the case by hand
Comparisons it builds
- Coverage view
- Heat maps of limits and deductibles by peril
- Renewal pricing
- Flags renewals priced above similar risks, on Professional and up
- Price detail
- Match quality, market median, rate on line, premium, exposure, carrier and renewal date
- Recommendation
- Built from templates or a full editor with ready-made exhibits
Rate on line is the premium divided by the limit. Comparisons use the median of the last 3 months.
Commercial schedules and forms
- Blanket analysis
- Maps a statement of values by location and checks concentrations against blanket and peril sublimits
- Layered programs
- Handles towers, blankets and shared limits
- Exclusions and conditions
- The Coverage Library checks exclusions and long lender requirements for gaps
- Feedback
- The written findings can be edited
Branding and disclosures
- Templates
- Start from a template or build in the full editor
- Market data credit
- Client reports that quote Advocate data must credit Advocate
- Advice
- The terms say Advocate gives no professional advice. Coverage calls stay with your agency
What the client gets
- Format
- A paginated proposal with exhibits, ready to send
- Before it goes out
- Advocate treats AI output as preliminary until a person reviews it
Tracking and reports
- Reports
- Portfolio pricing, peril heat maps, saved reports and task escalations
- Sharing
- Keep a report private or share it with the whole organization
- Export
- The live price detail report can't be exported
Integrations
| Connects to | Type | How | What it does |
|---|---|---|---|
| Advocate REST API | API | Enterprise | Puts cases and policies on hold and releases them |
Advocate lists no AMS or CRM connection.
Users, security and privacy
Users and roles
- Member, Servicer and Admin roles
- Activity history of sign-ins, changes and record access
- AI prompts and answers are logged
- Two-step sign-in that an admin can require
- SAML and OIDC single sign-on on Enterprise
Security and privacy
- ISO 27001 and SOC 2 Type II, with reports on request
- Encrypted in transit and at rest
- Yearly penetration tests
- Uses Anthropic, OpenAI and Perplexity among its subprocessors
Advocate says your data doesn't train AI models. Its terms still let it build de-identified data for that purpose. If someone signs up with your business email, Advocate can move that account into your organization.
Getting started
Start the trial
Sign up for 14 days of Premium with no card.
Try the sample data
A guided first run can load sample cases.
Open a case
Pick New Case or Renewal Case, then a risk profile and asset type.
Check the extraction
Confirm policy settings and fill in missing checklist items.
Build the proposal
Start from a template or the full editor.
Support is in-app chat and email. Professional and up add a customer success contact, and Enterprise adds custom onboarding.
Contract and your data
- Term
- Starter monthly or yearly. Professional and Premium yearly
- Renewal
- Renews on its own
- Canceling
- Cancel monthly plans before renewal. Yearly plans need 30 days' notice, or 60 days on a negotiated contract
- Leaving early
- You owe the rest of the term
- Refunds
- None, except where the contract or law says otherwise
- Your data
- You own it. Advocate keeps rights in results that use its market data
From Advocate's terms, dated July 7, 2026. Negotiated contracts take notice by mail to its New York address, copied to legal@tryadvocate.com.
Advocate alternatives
- CopyCatQuote onlyCovers commercial, personal and benefits with page-linked sources
- Covera Agents Quote ComparisonQuote onlyQuote grid with EZLynx and Momentum links
- InsurGrid Proposal BuilderQuote onlyQuote and dec page comparisons for P&C agencies
- Polly$39 a month for up to 10 usersLow-cost online proposals with video that show when clients open them
See every option in insurance proposal software.
Frequently asked questions
How much does Advocate cost?
Starter is $49 a user a month billed yearly or $75 monthly. Professional is $375 and Premium is $995, both yearly.
Is Advocate free?
The Free plan covers policy reviews only. Proposals need Starter or higher.
Which lines does Advocate handle?
Commercial property, including multi-location real estate and blanket programs.
Can I check where Advocate got a number?
Yes. Extracted fields cite the source document.
Does Advocate connect to my AMS?
No. Its only listed connection is a REST API on Enterprise.
How we researched this review. We based this review on the pricing, terms and product pages published by Advocate, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Advocate quit selling or a contract term that reads different now, let us know and send the link to the page where Advocate has it. Somebody here pulls up that page and checks it before we change anything on ours.