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Business insurance quote FAQ
Plain answers about agency quotes, binders, consent, and what this site is for.
Is a quote a binder?
No. Coverage exists only when a carrier issues confirmation according to its rules and the policy forms it issues.
Which states can request a quote?
This site is for commercial insurance quote requests in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, and Indiana.
How fast will you contact me?
We contact you as soon as possible after a complete quote request. It can take 1–2 business days.
What if my product or class is outside your markets?
If a product or class is outside our appetite or the markets we place, we may refer your request to a partner or affiliate agency or brokerage when you have consented on the form.
Do you sell personal auto or homeowners here?
No. This site is for USA commercial insurance — general liability, BOP, workers compensation context, commercial auto, and related commercial lines for working businesses.
Why do you require a detailed business description?
Commercial underwriters need to know products, services, customers, and how you operate. A detailed description is required on every quote request.
Do you list which carriers appoint you?
No. Appointment rosters are not published on this site. We shop admitted commercial markets for working-business types on our business-types map.
What are business types on this site?
Business types are working-business verticals we organize agency quote shopping around — trades, retail, restaurants, offices, medical offices, wholesale, landscaping, and similar groups — not a guarantee any carrier will offer terms.