How It Works: From Quote Request to Certificate in Hand
We built our process around the way businesses actually buy insurance. No runaround, no jargon, no surprises. Here is exactly what happens after you reach out.
Takes ~2 minutes · We review your contracts · Coverage matched to your requirements
Bobby Friel
Partner, Direct Insurance Services
I'm Bobby Friel, partner at Direct Insurance Services. Here's how we actually work — the full consultative process from first conversation to bound policy. No pressure, no generic quote forms, no hidden exclusions. Just a real review of your contracts and coverage needs with Patrick, our licensed agent.
Watch the Process
Here's what working with our team actually looks like.
“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
“Helped me get the right coverage for my business and made everything super easy to understand. Bobby was especially great — very friendly, responsive, and genuinely cared about making sure I was taken care of.”
— Michael O., Google Review
“He takes the time to understand your business needs before recommending coverage. You can tell he genuinely cares about his clients and goes the extra mile to make sure everything is handled properly.”
— Jen K., Google Review
“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
6 Steps to the Right Coverage
Every step is designed to make sure you get the right policy, at the right price, with the right endorsements — before you bind.
Start Your Quote Online
Fill out our quick online form and you will work directly with an industry specialist — not a call center.
Why this matters: We match you with an advisor who specializes in your industry, whether that is contracting, HOA management, restaurant operations, or commercial real estate.
We Confirm Your COI, Contract & Endorsement Requirements
Before we quote anything, we review your contracts, lease agreements, lender requirements, and any COI specifications you need to satisfy.
Why this matters: This step prevents rejected certificates and last-minute surprises. Most agents skip this entirely and leave you scrambling after the policy is bound.
We Shop Your Risk Across 30+ A-Rated Carriers
We compare your risk across 30+ A-rated carriers to find the best combination of coverage, pricing, and claims service for your specific business.
Why this matters: Because we are independent, we are not locked into one carrier. We find the right fit for your industry, risk profile, and budget.
Video Quote Review — We Walk You Through Your Options
We schedule a short video call to walk you through your quote options. We explain limits, exclusions, endorsements, and what actually matters for your business.
Why this matters: No confusing PDFs or jargon-filled emails. You will understand exactly what you are buying and why before you make a decision.
Bind Your Policy (Contract-Verified Coverage)
Once you choose your coverage, we bind your policy — with every endorsement verified against your contract requirements. Your coverage is active immediately upon binding.
Why this matters: For contractor policies, contract-verified coverage means your COI clears on the first submission. HOA and restaurant policies typically bind within 2-5 business days.
COIs Issued and Delivered to GCs, Project Owners & Lenders
Your certificate of insurance is issued immediately upon binding and sent directly to general contractors, project owners, lenders, or anyone else who requires it.
Why this matters: Need additional insured endorsements, waivers of subrogation, or specific certificate language? We handle all of it before delivery.
Takes ~2 minutes · We review your contracts · Coverage matched to your requirements
Watch a Real Policy Review
See how Patrick walks you through your coverage options on a live video call — so you understand exactly what you're buying.
What Makes Us Different
Most agents quote fast and move on. We built a process that actually protects your business — not just checks a box.
Video Quote Review
We explain everything on camera
No more confusing PDF proposals or rushed phone calls. We walk you through every option on video so you understand your coverage, limits, exclusions, and pricing before you commit.
COI Confirmation Before Binding
No rejected certificates
We review your contracts and confirm every COI requirement, endorsement, and additional insured specification before your policy is bound. No surprises at the jobsite or closing table.
Multi-Carrier Shopping
30+ carriers, not just one
We are independent agents, not captive to one carrier. We shop your risk across 30+ A-rated carriers to find the best combination of coverage, claims service, and price.
Contract-Ready Coverage for Contractors
COIs that clear on the first try
Most COI rejections happen because the agent never read the contract. We review every GC requirement before quoting — so your certificate matches on the first try.
Industry Specialists, Not Generalists
We know your business
We specialize in four industries: contractors, HOAs, restaurants, and commercial landlords. Our advisors understand the risks, contract requirements, and carrier appetites for each one.
Direct Access to a Real Advisor
Not a call center, not a chatbot
When you have a question about your policy, a claim, or a contract requirement, you talk to a real person who knows your business — not a 1-800 menu or an offshore service rep. We answer the phone, return emails, and stand behind every policy we write.
30+
A-Rated Carriers
29
States Licensed
Contract-Ready
Binding for Contractors
100%
Video Quote Reviews
We Shop 30+ A-Rated Carriers for You
As independent agents, we compare quotes from 30+ A-rated carriers to find the best coverage and pricing for your business.
Progressive
Contractor & Commercial Auto
Hippo
Commercial Property
CNA
General Liability & E&O
Chubb
High-Value Commercial
Travelers
Workers Comp & Bonds
Mutual of Omaha
Group & Specialty
Nationwide
Business Owner Policies
Openly
Landlord & Property
AIG
Excess & Surplus Lines
The Hartford
Small Business & Workers Comp
John Hancock
Life & Benefits
BBB Accredited
Browse Coverage by Industry
Our process works the same way for every industry we serve. Choose yours to see tailored coverage details, costs, and requirements.
Contractor Insurance
GL, workers comp, commercial auto & contract-verified COIs
HOA Insurance
Master policies, D&O liability & fidelity bonds
Restaurant Insurance
Liquor liability, property & equipment coverage
Commercial Landlord Insurance
LRO coverage for commercial landlords
Cyber Insurance
Data breach, ransomware, and privacy liability
Ready to See the Process in Action?
Start your quote online — it takes about 2 minutes. We will confirm your requirements, compare carriers, and walk you through everything on video.
Takes ~2 minutes · We review your requirements · Coverage matched to your contracts
No obligation · Free quotes · Licensed in 29 States