Have you looked at Xanatek? Their system is called IMS4, and the system is very user-friendly. You can add any type of policy type/name in their administrative settings area, update when and how you need to do so. They have Acord forms, offer downloading, form letters (merge from Word), email, repor...

Have you considered buying a small independent agency? Find someone who is nearing retirement and make them an offer, asking them to stick around for retention purposes for a year or so. This works well in Virginia.