Commercial Insurance Quote Request
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  • Commercial Insurance Quote Request

    General Liability, Workers Compensation, Commercial Property, Inland Marine, Professional Liability, E&O, Umbrella, Excess Liability.

  • Business Information

  • Legal Entity Type*
  • Is the state above the same state in which your business operates?*
  • Which other state(s) do you work in?*
  • Do you have physical locations in any of these states?
  • Format: (000) 000-0000.

  • Exposures/Type of Work

  • Please select your industry: (you may select more than one)*

  • Garage Questions:

  • Garage: Select the type of garage that you have:
  • Garage: Where do you keep the keys for the vehicles?
  • Auto Repair: Do you work on any of the following types of vehicles?
  • Auto Repair: Do you provide towing services?
  • Auto Repair: Do you provide mobile repair services?
  • Auto Repair: Do you drive customers’ vehicles for the purpose of pick up and/or delivery?
  • Auto Repair: Do you loan or rent vehicles to customers?
  • Auto Dealer: Do you sell any of the following types of vehicles?
  • Auto Dealer: Do you have a dealer’s license?
  • Auto Dealer: Who drives or transports vehicles to your lot?
  • Auto Dealer: Do you have any Transporter or Repairer Plates?
  • Auto Dealer: Do you deliver vehicles to customers after the sale is complete?
  • Auto Dealer: Do you sell vehicles with salvage title?
  • Auto Dealer: Do you do any vehicle reposessions?
  • Auto Dealer: Do you offer "Buy Here, Pay Here" in-house financing options?

  • Restaurant Questions:

  • Restaurants: Please select your service style:*
  • Restaurants: Do you offer delivery in house? Not door dash or third party apps.*
  • Restaurants: Do you have a mobile food truck?*
  • Restaurants: Is there a buffet?*
  • Restaurants: Do you offer catering?*
  • Restaurants: Do you serve alcohol?*
  • Restaurants: Do you have live music or dancing as part of your typcial operations?*

  • Contractor Questions:

  • Contractors: Do you do remodeling, new construction, or both?
  • Contractors: Do you do work on homes that are in the process of being built?
  • We can add a 25% discount for having New Residential Construction excluded. You will still be covered for new construction if it falls under commercial or remodeling work. Do you want to add this?
  • Contractors: Do you perform work on Tract Homes or Multi Unit Housing, or Condos? See description below if needed.

  • A TRACT HOME is a house that is part of a residential community or subdivision where many homes share the same or very similar floor plans, materials, and exterior designs. These homes are usually built in groups by a single builder. If you perform this type of work, you may be assigned to complete multiple homes within the same community in a short period of time.

    MULTI-UNIT HOUSING refers to residential buildings that contain multiple separate living units within a single structure or complex. Examples include duplexes, triplexes, apartment buildings, and condominiums. Each unit is designed for a different household, but they share the same building structure and often common systems such as roofing, plumbing, electrical, hallways, and parking areas. If you perform this type of work, the project may involve working on multiple units within the same building or complex rather than a single home.

    A CUSTOM HOME is designed and built specifically for a single homeowner. The floor plan, materials, and details are selected individually, and the home is typically a one-of-a-kind build. This applies, for example, when a homeowner owns a piece of land and hires a company to build a house on it. If you perform this type of work, the project is for one individual home rather than multiple homes within a subdivision.

  • We can add a 20% discount for having Tract Home/Multi-Unit Housing excluded from your policyy. You will still be covered for new construction if it is considered Commercial work. Are you interested in adding this exclusion?
  • Contractors: Are there any owners that do not perform any physical work or only work as a project manager or supervise insured subcontractors?
  • Contractors: Do you use motorized or heavy equipment in any of your operations?*
  • Contractors: Does your work include any of the following?

  • Janitorial Questions:

  • Janitorial: Do you do any exterior cleaning or pressure washing?*
  • Janitorial: Is the exterior work done from the ground only?*
  • Janitorial: Do you do any carpet, rug, or upholstery steam cleaning?*
  • Janitorial: Do you wax floors in commercial buildings or stores (not including offices)?*
  • Janitorial: Do you clean up construction debris from new construction homes? (This does not include cleaning up debris after renovations to existing homes or perfomring a regular "house cleaning" before the owner moves in.)*

  • Note: Many carriers exclude work on new construction homes, so if you do this we'll make sure to find a policy that covers you for this type of work.

  • Door/Window Questions:

  • Door/Window: Are you installing the actual window/door or are you just constructing the framing for the door or window?*

  • Painting Questions:

  • Painting: Is the painting interior, exterior, or both?*

  • Plumbing Questions:

  • Do you have a plumbing license?*
  • Plumbing: Are you performing plumbing related to the installation, replacement, or modification of plumbing systems, such as water supply lines, drain/waste/vent piping, or gas lines?*

  • Note: This type of work requires a plumbing license. We will not be able to offer a quote for this class code without the proper licensing.

  • Flooring Questions:

  • Flooring: What types of flooring do you work with?*

  • Carpentry Questions:

  • Carpentry: What types of carpentry do you do?*

  • Pressure Washing Questions:

  • Pressure Washing: Is the pressure washing done from the ground level only?*

  • Electrical Questions:

  • Electrical: Are you a licensed electrician?*
  • Electrical: Does your work include adding new wiring where there was previously none, or is it just replacing an existing device or fixture using existing wiring?*

  • Note: This type of work requires a contractors license. We will not be able to offer a quote for this class code without the proper licensing. 

  • Note: This would be considered handyman type work. You will not see the electrical class code on the quote because to have this coverage requires a contractors license.

  • Electrical: Is the electrical work only within buildings (internal wiring and cabling, light fixtures, etc) or do you also perform work outside of buildings (street lighting, traffic signals, etc)?*

  • Concrete Questions:

  • Concrete: What types of concrete do you do? Select all that apply.*

  • Remodeling Questions:

  • Remodeling: Would you consider your work to be structural or non structural?*
  • Remodeling: Is your work interior or exterior or both?
  • Remodeling: Do you plan to perform any work related to disaster restoration? This would include work such as demolition, cleanup, or rebuilding after events like fires, floods, or mold damage.*

  • Framing Questions:

  • Framing: In the insurance world Framing means building the structural skeleton of a structure, not the finishing work or interior wall framing. Do you do this type of framing?*
  • Framing: Is the framing part of new construction or only remodeling?

  • Welding/Metal Work Questions:

  • Welding/Metal Work: Please select all that apply. My work consists of:*
  • Welding/Metal Work: Please select all that apply. My work consists of:*
  • Welding/Metal Work: Do you perform work on or related to cars, boats, or trailer hitches?*
  • Welding/Metal Work: Is the welding done only at your shop, or sometimes are you welding on customer premises?*

  • HVAC Questions:

  • Do you have a contractors HVAC license?*
  • Does your work involve installing or replacing HVAC equipment or duct system? Or are you simply performing routine maintenance like changing an air filter or simple part replacement that doesn’t change the system?*

  • Note: This type of work requires a contractors license. We will not be able to offer a quote for this class code without the proper licensing.

  • Roofing Questions:

  • Do you have a roofing license?

  • Note: You will be redirected at the end of this form to complete the Roofing Supplemental Application. THIS IS REQUIRED TO QUOTE ROOFING!

  • Do you (the owner) or your employees do the roofing work, or is the roofing work done by 100% insured subs?

  • Note: This type of work requires a roofing license. We will not be able to offer a quote for this class code without the proper licensing.

  • Demolition Questions:

  • Demolition: Do you do any demolition or wrecking of entire houses, buildings, or structures? Remodeling by removing some interior walls would not be considered demolition.*

  • Rating Information

    Your quote will be based on the following information. Try to answer as accurately as possible.
  • Owner Date of Birth*
     - -
  • Owner Gender*
  • Is there another owner?*
  • Date of Birth*
     - -
  • Gender*
  • Do you have employees, helpers, or use subcontractors?*

  • TIP: To be considered a subcontractor for insurance purposes, each subcontractor must carry their own insurance with limits equal to yours. They must also provide your company with a Certificate of Insurance (COI), which should be kept on file for audit purposes.

  • Are there any employees that never travel to job sites or do any construction work?*
  • Do subcontractors perform the same work as employees?*

  • General Liability

    General Liability protects your business from financial loss due to claims of bodily injury, property damage, personal injury, or advertising injury caused by your business operations.
  • Do you want a quote for General Liability?*
  • Describe your current GL coverage status:*
  • In the last 5 years have you had any losses or filed any claims? Please also request the LOSS RUNS in case this is requested. You can upload at the end of the form or send to us later!*
  • General Liability does not cover claims related to errors or mistakes in your work. If someone sues you because of how the work was performed, that would fall under Professional Liability. Would you like a quote for that coverage?*
  • Do you need coverage for any business property, tools or equipment?*

  • Workers Compensation

    Workers Compensation/Employers Liability covers employee work related injuries and illnesses, as well as lawsuits against your business as the employer. You may choose to include yourself however this will be an additional cost.
  • Do you want a quote for Workers Compensation?*
  • Describe your current coverage status:*
  • In the last 5 years have you had any losses or filed any claims? Please also request the LOSS RUNS in case this is requested. You can upload at the end of the form or send to us later!
  • Since you have no employees, do you want a "ghost policy" (minimum coverage, only used to send proof of insurance) or coverage for yourself as the owner? *Coverage for the owner is more expensive.*

  • Inland Marine/Contractors Equipment 

    Covers tools, equipment, and materials while in transit or at job sites (not limited to a fixed location).
  • Do you want a quote for Inland Marine or Contractors Equipment?
  • Please select at least one option below:

  • Professional Liability/E&O

    Protects against claims of negligence, errors, or failure to perform professional services as promised.
  • Do you want a quote for Professional Liability or Contractors E&O?

  • Umbrella/Excess Liability

    Provides additional liability coverage above the limits of your underlying policies (like GL, Auto, or Employers Liability).
  • Do you want a quote for Umbrella or Excess Liability?
  • Select the underlying policy(ies) that you have or will have, that you want under the Excess/Umbrella policy:
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  • Commercial Property

    Protects your building, equipment, inventory, and/or other business property from losses like fire, theft, and certain weather events.
  • Do you want a quote for commercial property?
  • Does your business own the building?
  • Do you want to insure the building(s)?
  • Does the building have any of the following safety/security features to prevent damage from theft or fire? Proof will be required before binding.
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  • Commercial Auto

  • Do you want a quote for commercial auto?

  • Specific Requirements or Requests

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  • For internal use:

  • Existing Applicant?
  • Do they speak english as well?
  • Date
     - -
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