Same-Day Binding AvailableVideo Quote Reviews29 States

Need a COI for a Job? Get Covered Same-Day

Submit your requirements once. We verify COI compliance, compare 30+ carriers, and send coverage options — fast.

Get Coverage Options →

Takes ~2 minutes · We verify requirements · Send options same-day

✓Same-day certificates for urgent jobs
✓COI + endorsement requirements verified before binding
✓Compare options from 30+ A-rated carriers
✓Video review explains your coverage clearly
✓Licensed and serving 29 states
✓No obligation — free quotes always
A-Rated Carriers Only
Same-Day COIs
Licensed in 29 States
Video Quote Reviews
5-Star Rated on Google — Policies Serviced by Direct Insurance Services

“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”

— Jessica K., Google Review

Choose Your Industry for a Tailored Quote

Start with the page built for your business. You'll get the right coverage checklist, cost guidance, and the fastest path to a quote.

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Contractor Insurance

General liability, workers' comp, and commercial auto

  • ✓General Liability from $800/yr
  • ✓Workers Comp from $1,200/yr
  • ✓Same-day binding available
  • ✓COI confirmed before you bind
Explore Contractors Insurance →
🏘️

HOA Insurance

Master policies for homeowners associations and condo boards

  • ✓Master policies from $5,000/yr
  • ✓D&O liability included
  • ✓Fidelity bonds available
  • ✓Board-ready video reviews
Explore HOA / Condo Insurance →
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Restaurant Insurance

Complete protection for restaurants, bars, and food service

  • ✓GL + liquor liability from $4,000/yr
  • ✓Equipment breakdown coverage
  • ✓Food spoilage protection
  • ✓Liquor liability specialists
Explore Restaurants Insurance →
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Lessors Risk Insurance

Specialized coverage for commercial landlords

  • ✓LRO policies from $2,500/yr
  • ✓Loss of rents coverage
  • ✓Tenant profiling assistance
  • ✓Multi-property discounts
Explore Lessors Risk Insurance →

Not sure which category fits? Contact us and we'll guide you.

Not Ready for a Quote? Run Your Numbers First

Our free calculators give you a ballpark estimate in 30 seconds — no signup, no email required.

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Contractor Insurance Calculator

Estimate your GL, workers comp, and auto costs by trade and state.

Calculate My Cost →
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Restaurant Insurance Calculator

See what GL, liquor liability, and property coverage costs for your restaurant type.

Calculate My Cost →
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HOA Insurance Calculator

Estimate your master policy, D&O, and fidelity bond costs by community size.

Calculate My Cost →
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Landlord Insurance Calculator

See what LRO, liability, and loss of rents coverage costs for your building.

Calculate My Cost →

Watch How We Work

See how we shop 30+ carriers to find you the best coverage — in under a minute.

How It Works: 4 Steps to the Right Coverage

Our process is designed to get you covered correctly the first time. No runaround, no rejected COIs, no surprises.

SUBMIT
1

Tell Us Your Needs

Tell us your business, coverage needs, and COI requirements. Takes about 2 minutes.

WE VERIFY & COMPARE
2

We Shop 30+ Carriers

We check your requirements and shop 30+ carriers same-day to find the right fit.

VIDEO REVIEW
3

Review Your Options

We walk you through your options on video so you decide confidently — no guesswork.

GET COVERED
4

Bind & Get COIs

We bind your policy and deliver COIs to whoever needs them. Same-day available.

Get Coverage Options →

Takes ~2 minutes · We verify requirements · Send options same-day

See our full 6-step process in detail →

See It In Action

Watch Patrick walk through a real commercial insurance review — so you know exactly what to expect when you work with us.

Commercial Insurance Built to Pass the Real-World Test

Contracts, lenders, and boards care about correct coverage — not cheap coverage. Here is what sets us apart.

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Contract-Ready COIs

We review your contract requirements and confirm your policy includes the right endorsements, limits, and additional insured language before you bind. No rejected certificates.

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Video Quote Review

We walk you through every quote option on video — what is covered, what is excluded, and why it matters for your specific business. No guesswork.

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Fast Action (Same-Day)

Same-day binding available for contractors. Most quotes delivered within 24-48 hours. COIs issued immediately upon binding so you never miss a deadline.

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Right Carrier Fit (30+ Carriers)

We shop your risk across 30+ A-rated carriers to find the best match for your industry, risk profile, and budget. Not just the cheapest — the right one.

Get Coverage Options →

What to Have Ready for Your Quote

Having these items handy will help us get you the most accurate quote, fastest. Don't have everything? No problem.

✓
Current declaration page (if renewing)Shows your existing coverages and limits
✓
Renewal dateSo we can time your quote to avoid gaps
✓
Payroll and/or revenue estimateUsed to calculate premium accurately
✓
COI or contract requirementsWe confirm your policy meets them before binding
✓
Loss runs (if available)Claims history from the last 3-5 years
✓
List of equipment, vehicles, or propertiesFor accurate coverage scheduling

Don't have everything? No problem — start the form and we'll gather what we need along the way.

Start Your Quote →

Our Insurance Carrier Partners

We compare quotes from 30+ A-rated carriers to find you the best combination of coverage, price, and claims service.

Progressive

A+ Rated

Contractor & Commercial Auto

Hippo

A Rated

Commercial Property

CNA

A Rated

General Liability & E&O

Chubb

A++ Rated

High-Value Commercial

Travelers

A++ Rated

Workers Comp & Bonds

Mutual of Omaha

A+ Rated

Group & Specialty

Nationwide

A+ Rated

Business Owner Policies

Openly

A Rated

Landlord & Property

AIG

A Rated

Excess & Surplus Lines

John Hancock

A+ Rated

Life & Benefits

BBB Accredited Business Seal
A Rated

BBB Accredited

+ additional specialty and surplus lines markets for hard-to-place risks

What Our Clients Say

Real feedback from real business owners we've helped get covered.

“They reviewed my contract requirements before quoting and caught two endorsements I was missing. My old agent never did that.”

MR

Michael R.

General Contractor · Colorado

“The video quote review made everything clear. Our board finally understood what we were paying for and why. We reduced our premium by 18%.”

ST

Sarah T.

HOA Board President · Texas

“I needed proof of insurance for a job starting Monday. They bound my policy the same day and had my COI sent within hours.”

DL

David L.

Electrical Contractor · Illinois

Licensed in 29 States

We serve businesses across 29 states. Coverage availability varies by industry and risk profile.

Service managed from our Colorado office, powered by Direct Insurance Services.

ArizonaCaliforniaColoradoDelawareGeorgiaIdahoIllinoisIowaMarylandMichiganMinnesotaMissouriMontanaNevadaNew JerseyNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaWashingtonWisconsinWyoming

Commercial Insurance FAQs

Common questions about our process, carriers, coverage, and how we work with businesses across all four industries.

Most quotes are returned within 24–48 hours. For contractors needing same-day coverage, we can often bind policies within a few hours of receiving your information.

Yes. For many contractor policies, we can bind coverage the same day. HOA and restaurant policies typically take 2–5 business days depending on complexity.

Yes. We work with multiple A-rated carriers including Progressive, CNA, Chubb, Travelers, Nationwide, and others to find the best coverage and pricing for your business.

After we prepare your quote options, we walk you through them on a short video call. This helps you understand exactly what each policy covers, what it doesn't, and why we recommend specific options.

Absolutely. We review your contracts, leases, and lender requirements before quoting so your policy is built to meet them. No surprises at the job site or closing table.

No. You can start with our online quote form. Either way, you'll work with a real person who specializes in your industry.

We specialize in four areas: contractors (our largest focus), HOA and condo associations, restaurants and food service businesses, and commercial landlords (lessors risk).

Yes. We work with specialty carriers that handle higher-risk classes like roofing contractors, bars with late-night hours, and mixed-use commercial properties.

Don't Wait Until After a Claim to Find Out You're Underinsured

We'll compare 30+ carriers, confirm your requirements, and walk you through your options on video — no obligation.

Get Coverage Options →

Takes ~2 minutes · We verify requirements · Send options same-day

No obligation · Free quotes · Licensed in 29 States