GloveBox

White-label client self-service. Give your insurance clients one app to view policies, download ID cards, pay bills, and file claims — branded with your agency's logo. Integrates with 50+ agency management systems. Used by 3,000+ independent agencies to reduce service calls and boost retention.

Pricing

From $199/month

Developer

GloveBox ↗

Founded

2014

Best For

Client PortalPolicy ManagementMobile App

What is GloveBox?

GloveBox is a white-label client self-service platform designed specifically for independent insurance agencies. Founded in 2014 by Andy Mathisen and based in Denver, Colorado, GloveBox addresses a fundamental competitive disadvantage that independent agencies face against direct-to-consumer insurers like GEICO and Progressive: those carriers have polished, feature-rich mobile apps that let customers view policies, pay bills, download ID cards, and file claims in seconds, while most independent agencies still rely on phone calls, emails, and carrier-specific portals for these basic tasks. When a client of an independent agency needs to access their auto insurance ID card at a traffic stop at 11 PM on a Saturday, they can't call their agent — and if the agency hasn't provided a self-service option, that client's next thought is often, "Maybe I should just switch to GEICO." GloveBox solves this by giving agencies a branded mobile app and web portal that aggregates all of a client's policies — auto, home, umbrella, business, life — into a single, easy-to-use interface, regardless of which carriers those policies are with. The app carries the agency's logo and branding, so the client's relationship is with the agency, not a technology vendor. As of 2026, GloveBox serves over 3,000 independent agencies and has been recognized as one of the fastest-growing insurtech platforms in the independent agency channel.

The platform's core value proposition is simple but powerful: reduce service friction to increase retention. Independent agencies lose 15-20% of their personal lines clients annually to direct-to-consumer carriers, and the number one reason cited in exit surveys is "convenience." Clients don't leave because of price — they leave because managing their insurance through an agency feels like more work than managing it through an app. GloveBox's data shows that agencies using the platform see a 22% reduction in routine service calls (clients can check policy details, download documents, and pay bills in the app instead of calling the agency), a 15% improvement in client retention (when clients can self-serve on their schedule, they are less likely to shop around), and a 30% increase in cross-sell opportunities (clients using the app see all their policies in one place and are more aware of coverage gaps — "I have auto and home here, but I don't see my life insurance policy... maybe I should get a quote"). For a $2M revenue agency losing $300,000-$400,000 annually to attrition, even a 10% improvement in retention represents a $30,000-$40,000 bottom-line impact — far exceeding GloveBox's cost.

Key Features

📱

White-Label Mobile App & Web Portal

The white-label app is GloveBox's flagship product and the primary reason agencies adopt the platform. When a client downloads the app (available on iOS and Android), they see the agency's logo, brand colors, and name — not GloveBox's branding. The app is listed in the App Store and Google Play under the agency's developer account, so clients searching for "[Agency Name]" find their agency's branded app. The app's feature set includes: policy dashboard (all active policies displayed as digital cards with carrier logos, policy numbers, coverage summaries, and renewal dates — clients can tap any card for full policy details), digital ID cards (auto insurance ID cards available offline — accessible even without an internet connection, which is the exact use case that matters most), document storage (all policy documents — declarations pages, endorsements, certificates of insurance, billing statements — automatically synced from carrier portals and stored in the app, searchable and downloadable), bill pay (clients can view upcoming bills, pay through the app via integrated payment processing, and set up autopay — no need to log into each carrier's separate payment portal), claims initiation (clients can start a claim directly in the app — upload photos of damage, provide incident details, and the claim is routed to the appropriate carrier and the agency's claims team), and agency contact (one-tap calling, texting, or emailing the agency, with the agency's office hours, team member directory, and location map). The web portal provides the same functionality for clients who prefer a desktop experience. Critically, agency staff can customize which features are visible to which clients — a commercial lines client sees different modules than a personal auto client. The app also supports push notifications for renewal reminders, policy updates, billing alerts, and agency announcements — keeping the agency top-of-mind without intrusive marketing.

🔄

AMS Integrations & Policy Sync

GloveBox's integration with agency management systems is the technical backbone that makes the self-service experience possible. The platform integrates with over 50 AMS platforms including: Applied Epic (the market leader for large independent agencies), Applied TAM, Vertafore AMS360 (the most widely used AMS among mid-size agencies), HawkSoft, EZLynx, NowCerts, QQCatalyst (Nexsure), Partner XE, and many others. The integration works through a combination of direct API connections (for modern AMS platforms that provide APIs) and automated data extraction (for legacy AMS platforms that lack modern APIs — GloveBox uses secure credential-based access to pull policy data on a scheduled basis). The data sync includes: policy details (carrier, policy number, coverage types, limits, deductibles, premiums, effective dates, renewal dates), client contact information, document retrieval (pulling PDFs of declarations pages, ID cards, and endorsements from carrier download services), and billing information (premium amounts, due dates, payment status). This data flows into the client's app and is refreshed automatically — typically daily for active policies. For agencies using Applied Epic or AMS360, the sync is near-real-time with webhook support (when a policy change is processed in the AMS, GloveBox is notified and updates the client's app within minutes). For agencies with multiple AMS instances (common after mergers and acquisitions), GloveBox can aggregate data from multiple systems into a single client view — the client sees all their policies in one place even if the agency manages them across two different AMS platforms. The integration setup is handled by GloveBox's onboarding team and typically takes 1-2 weeks depending on AMS complexity and data quality.

💳

Integrated Bill Pay & Payment Processing

GloveBox includes an embedded bill payment module that allows clients to pay insurance premiums directly through the app or web portal. This is not a simple redirect to carrier payment portals — it is a fully integrated payment experience. The payment module supports: multiple payment methods (credit/debit cards, ACH/bank transfer, digital wallets including Apple Pay and Google Pay), scheduled payments and autopay (clients can set up recurring payments aligned with their billing cycles, with configurable payment dates), split payments (for clients with multiple policies that have different billing schedules, the app shows all upcoming payments in a unified calendar and allows batch payment of multiple bills), payment history and receipts (complete transaction history with downloadable receipts for each payment), and agency-controlled payment rules (agencies can configure which payment methods to accept, set convenience fees, and manage payment reconciliation through the GloveBox dashboard). The payment processing is handled through GloveBox's integrated payment partners (Stripe and others), with funds flowing directly to the agency's trust or operating account — GloveBox does not hold client funds. Agencies can choose to absorb processing fees or pass them to clients. The bill pay feature addresses one of the most frustrating aspects of the independent agency experience: when a client has auto insurance with Carrier A (billed on the 15th), homeowners with Carrier B (billed on the 1st), and an umbrella with Carrier C (billed quarterly), they currently need to manage three separate payment portals with three different logins. GloveBox consolidates all of this into a single payment experience in the agency's branded app.

📄

Document Management & Certificate Issuance

Document management in GloveBox goes beyond simple file storage — it automates the delivery and organization of insurance documents that clients need but often lose. The platform automatically retrieves and organizes: declarations pages (for every policy at every renewal, organized by policy and date), policy forms and endorsements (the full policy contract — not just the dec page — available for clients who want to read the fine print), auto ID cards (the format that police officers accept — not a screenshot of the dec page — available offline in the app), certificates of insurance (COIs — critical for commercial clients, contractors, and landlords — with automated issuance and delivery), billing statements and invoices, claims documents (correspondence, estimates, settlement letters), and agency-uploaded documents (welcome packets, annual review summaries, coverage recommendations). For certificates of insurance, GloveBox includes a self-service COI request and issuance workflow: a commercial client opens the app, selects the policy, enters the certificate holder's information (name, address, additional insured requirements), and the COI is generated automatically from the AMS data and delivered via email — without agent involvement. This is a massive efficiency gain for commercial lines agencies that process dozens of COI requests weekly. For agencies that have adopted e-signature capabilities, GloveBox integrates with DocuSign and similar platforms to route documents for electronic signature directly through the app.

📊

Agency Analytics & Client Engagement Dashboard

GloveBox provides agency principals and account managers with analytics on how clients are using the self-service platform — data that directly informs retention and cross-sell strategies. The analytics dashboard includes: app adoption rate (what percentage of the agency's active clients have downloaded and logged into the app — segmented by line of business, age cohort, and tenure), engagement metrics (which features are clients using most — ID card access, bill pay, document downloads — and how frequently), client activity log (a timeline of each client's interactions — "viewed auto policy 3x this month, downloaded ID card, paid bill" — providing account managers with conversation starters for renewal reviews), at-risk client alerts (clients who have not logged into the app in 90+ days, clients who have downloaded ID cards from a different carrier — a possible indicator of shopping — and clients with lapsed payments), cross-sell opportunities (clients who view a coverage type in the app that they don't currently have with the agency — e.g., a client browsing their auto and home policies who also looks at the life insurance section of the app is signaling potential interest), and retention analytics (correlation between app engagement and retention — GloveBox's data consistently shows that clients who use the app are 2-3x more likely to renew than clients who don't). These analytics help agencies move from reactive service ("the client called with a problem") to proactive engagement ("the client has been checking their coverage limits — let's reach out and do a coverage review before they start shopping").

🤖

AI-Powered Client Communication & Service Automation

In 2023, GloveBox introduced AI-powered features that extend the platform beyond passive self-service into proactive, intelligent client engagement. Key AI capabilities include: automated renewal review prompts (the AI analyzes a client's policy portfolio 60-90 days before renewal and generates a personalized message — "Your auto policy renews on March 15. We've noticed your annual mileage has decreased since you started working from home — you may qualify for a lower rate. Would you like us to re-shop your auto insurance before renewal?" — which the client receives as a push notification and can respond to with one tap), coverage gap detection (the AI compares a client's coverage against industry benchmarks and peer profiles — "Clients in your area with homes valued at $500K+ typically carry $1M umbrella coverage. Your current umbrella is $500K. Would you like to see options for increasing your coverage?" — presenting cross-sell opportunities that are data-driven rather than generic), claim first notice of loss automation (when a client initiates a claim in the app, the AI guides them through the information gathering process with adaptive questioning — "You selected 'auto accident.' Was another vehicle involved? [Yes/No] → Were there any injuries? [Yes/No] → Can you upload photos of the damage?" — and packages the information into a structured claim submission for the carrier), and sentiment analysis on client communications (the AI monitors client messages and app interactions for signals of dissatisfaction — repeated policy viewing, downloading documents from unknown carriers, searching for cancellation information — and flags these for proactive agent intervention). These AI features are designed to augment, not replace, the agent-client relationship — they surface insights and automate routine tasks so agents can focus their time on high-value conversations.

How GloveBox Works: Implementation & Setup

Implementing GloveBox in an independent agency follows a structured process designed to minimize disruption to existing workflows. The typical timeline is 2-4 weeks from contract signing to full deployment. Week 1: AMS integration setup. GloveBox's onboarding team works with the agency's IT contact (or agency management system administrator) to establish the data connection. For API-based integrations (Applied Epic, AMS360), this involves generating API credentials and configuring data mapping. For legacy AMS platforms without APIs, GloveBox configures secure credential-based data extraction. During this week, the agency also provides branding assets (logo, color palette, agency name formatting) for the white-label app. Week 2: Data validation and app configuration. GloveBox runs an initial data sync and the agency reviews the results — are all policies showing correctly? Are client names and contact information accurate? Are documents being pulled from carrier download services? This validation phase is critical because the client experience depends on accurate data — a client who sees incorrect policy information in the app will lose trust in both the app and the agency. GloveBox's onboarding team works with the agency to resolve any data quality issues (duplicate client records, mismatched policy numbers, missing documents) during this week. Week 3-4: Client rollout. The agency invites clients to download the app through email campaigns, SMS, social media, and in-person conversations. GloveBox provides marketing templates (email copy, social media graphics, lobby posters, staff talking points) to support the rollout. The rollout can be phased — starting with the agency's most engaged clients, then expanding to the full book of business. GloveBox recommends a 90-day rollout window with ongoing promotion to drive adoption. Post-launch, GloveBox provides ongoing support including: monthly analytics reviews (helping agencies interpret engagement data and identify at-risk clients), feature update communication (new features are deployed automatically — agencies don't need to manage software updates), and integration health monitoring (GloveBox proactively detects and resolves AMS sync issues before they impact clients).

GloveBox Pricing

GloveBox's pricing is transparent and publicly available on their website — a rarity in the insurtech space. Pricing is based on the number of active clients using the platform:

Plan	Monthly Cost	What's Included
Starter	$199/month	Up to 250 active clients. White-label mobile app and web portal, AMS integration (1 system), policy dashboard, digital ID cards, document storage, push notifications, basic analytics. Agency branding included.
Growth	$349/month	Up to 1,000 active clients. Everything in Starter plus: bill pay integration, certificate of insurance self-service, claim initiation, advanced analytics, multi-AMS support, priority support. Most popular plan for mid-size agencies.
Enterprise	$599+/month	1,000+ active clients. Everything in Growth plus: AI-powered client communication, custom branding (beyond standard white-label), API access, dedicated customer success manager, custom integrations, SLA-backed uptime.

All plans include unlimited agency staff users, free onboarding and AMS integration setup, automatic feature updates, and standard support (email and chat). Bill pay processing incurs standard payment processing fees (2.9% + $0.30 per card transaction, 1% for ACH — passed through from GloveBox's payment processor). There are no long-term contracts — agencies can cancel with 30 days' notice. GloveBox offers a 14-day free trial with full feature access for up to 50 clients — enough for an agency to test the platform with a subset of their client base before committing. For agencies with over 5,000 clients, custom enterprise pricing is available.

Pros & Cons

Pros

Purpose-built for independent agencies — not a repurposed enterprise tool: GloveBox was designed from the ground up for the independent agency channel, with deep understanding of the agency-carrier-client relationship. Enterprise client portal solutions (like Salesforce Experience Cloud) require expensive customization to work for insurance; GloveBox works out of the box with agency workflows.
Transparent, affordable pricing with no long-term contracts: At $199-$599/month with no setup fees and a 14-day free trial, GloveBox is accessible to agencies of all sizes — including small agencies with under $500K in annual revenue. The absence of long-term contracts reduces risk and aligns incentives: GloveBox has to earn the agency's renewal every month.
Offline ID card access solves the #1 client pain point: The ability to access auto insurance ID cards without an internet connection addresses the exact scenario that drives clients to direct-to-consumer carriers. This feature alone is worth the price for many agencies.
50+ AMS integrations cover the vast majority of the independent agency market: Whether the agency uses Applied Epic, AMS360, HawkSoft, or a smaller niche system, GloveBox likely integrates. The multi-AMS aggregation capability is particularly valuable for agencies that have grown through acquisition and operate multiple systems.
Client engagement analytics provide actionable retention insights: The correlation between app usage and retention is powerful — agencies can see exactly which clients are disengaged (and at risk of leaving) before they receive a cancellation notice.

Cons

Client adoption requires active agency promotion — it is not automatic: GloveBox provides the technology, but getting clients to download and use the app requires sustained effort from agency staff. Agencies that send one email and expect 80% adoption will be disappointed. Successful deployments involve ongoing promotion — mentioning the app in every client conversation, displaying posters in the office, including app download links in email signatures, and training CSRs to walk clients through the download during service calls.
Data quality is the limiting factor: The client experience is only as good as the data in the AMS. Agencies with inconsistent data entry (multiple spellings of client names, missing policy numbers, stale contact information) will see broken or confusing experiences in the app. GloveBox's onboarding team helps identify and fix data quality issues, but ongoing data hygiene remains the agency's responsibility.
Limited commercial lines functionality compared to personal lines: While GloveBox supports commercial lines clients (COI issuance, policy documents), the experience is less rich than for personal lines. Commercial clients with complex risk management needs (claims analysis, safety program tracking, compliance documentation) may find GloveBox insufficient. The platform is strongest for personal lines and small commercial accounts.
Bill pay does not cover all carriers: While GloveBox's bill pay integration works for carriers that support third-party payment processing, some carriers require payments to be made directly through their own portals. In these cases, GloveBox can display the bill and link to the carrier's payment portal, but the experience is less seamless.
No carrier rating or comparative quoting: GloveBox shows clients their current policies but does not include comparative rating or quoting capabilities. Clients cannot use the app to compare their rates against other carriers or request re-quotes — that still requires contacting the agency. This is by design (GloveBox is a service platform, not a sales platform) but may disappoint clients accustomed to the comparison-shopping experience on direct-to-consumer sites.

FAQ

How is GloveBox different from carrier mobile apps?

Carrier mobile apps (like GEICO, Progressive, State Farm) show only that carrier's policies. If your client has auto with Travelers, home with Safeco, and umbrella with RLI, they need three different apps — three logins, three interfaces, three billing systems. GloveBox aggregates all policies, across all carriers, into a single agency-branded experience. The client sees all their insurance in one app, with one login, under their agent's brand. This aggregation is the core value proposition and cannot be replicated by any single carrier's app.

Does GloveBox replace my agency management system?

No. GloveBox is a client-facing layer that sits on top of your AMS — it does not replace your AMS's core functions (policy management, accounting, carrier downloads, reporting). Your agency staff continues to use your AMS for day-to-day operations. GloveBox reads data from your AMS to populate the client app and writes limited data back (client app interactions, payment records, COI requests). The AMS remains the system of record.

Is client data secure? What about data privacy?

GloveBox maintains SOC 2 Type II certification and encrypts all data in transit (TLS 1.3) and at rest (AES-256). Client data is hosted on AWS with US-based data centers. The platform is designed for insurance agency use with role-based access controls that limit which agency staff can view which client data. Client login is protected by multi-factor authentication (MFA) options. GloveBox does not sell, share, or monetize client data — the agency's client data belongs to the agency. The platform's privacy policy and data processing agreement are available for review during the procurement process.

How long does it take to get the branded app listed in the App Store and Google Play?

GloveBox handles the entire app store submission process on the agency's behalf. The timeline: 1-2 weeks for Apple App Store review, 3-5 days for Google Play review. The agency needs to provide their Apple Developer Program enrollment ($99/year) and Google Play Developer account ($25 one-time). GloveBox provides step-by-step guidance for setting up these accounts if the agency doesn't already have them. Once approved, the app is listed under the agency's developer account and branded entirely with the agency's identity. Future app updates are handled by GloveBox and deployed through the same accounts — the agency does not need ongoing technical involvement.