Questions owners ask before they call.

No. We are a licensed brokerage. We compare many insurers and work for you, not for one company.

It depends on your industry, revenue, claims history and limits. A small consultant might pay a few hundred dollars a year for liability; a contractor with tools and vehicles will pay more. A broker gives you real numbers after one short call.

Commercial auto is mandatory for business vehicles, and workplace injury coverage is required for most employers. Most other policies are required by landlords, lenders and clients rather than law.

About two minutes to request online. A broker calls within 15 minutes during business hours, and most quotes are ready the same day.

No. A quote request doesn't cancel or change anything. You decide if and when to switch.

So your broker can call to confirm details and email your quotes side by side. We never sell your information.

Yes. On the quote form you can attach your declarations page so we can match or beat it.

Many leases and contracts require $2M general liability; larger contracts often ask for $5M. We check your contracts and recommend limits.

A one-page proof of coverage that clients and landlords ask for. We issue them, usually the same day, including additional insureds.

A bundle of general liability, property and business interruption. It's often cheaper than buying each separately.

Your broker. We help you report it, deal with the adjuster and push for a fair settlement.

We re-shop your coverage 45 days before renewal and tell you whether staying or switching is the better deal.

Yes, though some insurers charge a short-rate penalty. We'll tell you the cost before you decide.