Why

10–50 email inquiries/month split across 4–10 people is roughly 1–2 inquiries per person per week. That's not a volume problem; it's an "everybody assumed someone else replied" problem. Insurance leads go cold in 24 hours — the prospect quotes three other agencies while yours debates who owns the thread. Until each incoming email has exactly one owner with a deadline, no software fixes this.

What you actually need

1. A shared inbox tool — Google Groups (free with Workspace) or Front (~$19/user/mo) — turns your info@ address into a queue where every email can be assigned to one person with a status (Open / Replied / Won / Lost).
2. Zoho Bigin (free for 1 user, $9/user/mo after) — once ownership is solved, this is where you log the policy type, premium estimate, and follow-up date for each lead. One pipeline: New → Quoted → Awaiting Docs → Bound → Lost.
3. A habit — the 10am assignment stand-up — every morning one person (rotating) opens the shared inbox and assigns every unassigned email to a specific agent with a "reply by end of day" expectation.

Do this today

Open your Google Workspace admin → Groups → create a Collaborative Inbox at leads@yourdomain, add all 4–10 agents, and forward your current inquiry email address into it. Then in the group settings enable "Take", "Assign", and "Mark as resolved." By tomorrow morning every new inquiry shows up in one queue where any agent can claim it and the rest can see it's claimed.

What to ignore

Skip HubSpot Sales Hub Professional (~$100/seat/mo) and Salesforce Financial Services Cloud — both are wildly over-spec'd for 10–50 emails/month and will eat months of onboarding for an agency your size. Anyone pitching you AgencyZoom, Applied Epic, or EZLynx at this volume is selling you a platform when you need a queue.

What doing nothing costs you

A conservative 20% slippage on 30 email inquiries/month (mid-range of your 10–50) = ~6 lost quotes. At even a $800 annual premium with typical agency commission, that's roughly $5,000–$10,000/year in commission walking to the competitor who replied first.

Where this leaves you

You've got the diagnosis: ownership first, CRM second. The plan sequences who runs the 10am assignment rotation, which agent owns which insurance line (auto / home / commercial), and the signal that proves it's working — every email in the shared inbox shows an assignee within 2 hours of arrival, and no thread sits "Open" past 24h.

When to revisit this

When every inquiry has a named owner within 2 hours for two straight weeks — then turn on Zoho Bigin and start logging deal stages.