What does a commercial insurance broker actually do?

A commercial insurance broker works for the business, not the carrier. We review how your operation actually runs — payroll, class codes, vehicles, contracts, locations — then structure and negotiate coverage with A-rated carriers, and manage the program through servicing and renewal.

Which states is Yisrael Agency licensed in?

We are a licensed commercial insurance brokerage in Colorado (#824686), New York (#BR-1889269), and Hawaii (#21027605). We work with businesses across a wide range of sizes and levels of complexity in those states.

What does the risk review cost?

Nothing. We do not charge consulting or service fees for the review or for ongoing servicing. We are compensated by the carrier when coverage is placed.

How long does it take to get started?

Yisrael Workspace Setup takes about two to three minutes, and a licensed advisor completes an initial review within one business day.

What is the Yisrael Workspace?

It is the secure workspace every client gets on day one. Your risk profile, analysis, quotes, policies, documents, certificates of insurance and renewals all live there, alongside a direct line to your advisor — so nothing lives in an email thread.

Which lines of business insurance can you place?

General Liability, Commercial Property, BOP, Workers' Compensation, Commercial Auto, Inland Marine, Professional Liability (E&O), Cyber, D&O, EPLI, Umbrella, and industry-specific specialty programs.

Platform

A digital brokerage for the entire insurance lifecycle.

Yisrael Agency is a digital commercial insurance brokerage: licensed advisors broker your program end to end — exposure analysis, carrier submissions, binding, servicing and renewal. The Yisrael Workspace is the digital storefront where your data, documents, certificates and renewals live in real time.

Inside your Yisrael Workspace

Seven modules. One record of the business.

Tap a module to jump to its step in the lifecycle walkthrough.

Business Profile (current step)

A living record of operations, payroll, fleet and locations.

Risk & Coverage

Analysis and scoring: gaps, misapplied class codes and dollar impact ranked by severity.

Quotes & Proposals

Side-by-side carrier options with advisor-reviewed tradeoffs.

Policies & Documents

Permissioned document workspace with full version history.

Certificates & Service

COI requests tracked to issuance against an SLA clock.

Renewals & Insights

Early renewal preparation with year-over-year program changes.

Advisor

A direct, recorded line to the licensed advisor running your program.

How it works

From submitted profile to renewal — see what your advisor and workspace return.

Step through the lifecycle and preview the actual output of each module.

Step 01 of 07 · Business Profile

Your operations become a structured record

You submit once. Your Yisrael Workspace turns payroll, fleet, locations and contract requirements into a living exposure record an advisor can work from immediately.

Typically complete in one sitting

Business Profile summarySample

Ridgeline Mechanical LLC

NAICS 238220 — Plumbing, Heating & Air-Conditioning Contractors

Annual revenue$6.4M

W-2 payroll (field / clerical)$2.1M / $310K

Employees24 full-time · 6 seasonal

Owned vehicles11 (7 light, 4 medium)

Locations2 — Colorado Springs, Pueblo

Profile completeness100%

Previews are illustrative sample output for a fictional business. No client data is shown.

Coverage lines

Every major commercial line, structured by a licensed brokerage — not just placed.

Line 01

General Liability

Third-party bodily injury and property damage coverage - calibrated to your operations, jurisdictions, and contract requirements.

Line 02

Commercial Property

Building, contents, business income, and equipment - valued at replacement cost and structured to survive a real loss.

Line 03

Business Owner's Policy (BOP)

Packaged liability + property coverage for small and mid-size businesses with straightforward exposure profiles.

Line 04

Workers' Compensation

W-2 payroll-rated coverage with class code audits to make sure you're not overpaying on the wrong code.

Line 05

Commercial Auto

Owned, hired, and non-owned auto with primary + excess structuring for fleets and operator-driven businesses.

Line 06

Tools & Equipment / Inland Marine

Scheduled and unscheduled coverage for high-value tools, contractor equipment, and movable property.

Line 07

Professional Liability (E&O)

For service providers whose work product, advice, or design can be challenged after the fact.

Line 08

Cyber Liability

First- and third-party cyber coverage - incident response, ransomware, regulatory defense, and notification.

Line 09

Directors & Officers (D&O)

Personal liability protection for company leadership against management and governance claims.

Line 10

Employment Practices Liability (EPLI)

Coverage for wrongful termination, discrimination, harassment, and wage-and-hour disputes.

Line 11

Umbrella / Excess Liability

Additional limits sitting above your primary policies, structured to match real contractual obligations.

Line 12

Specialty & Industry Programs

Trucking, construction, hospitality, real estate, tech, and other vertical-specific programs.

Not sure which lines you actually need?

Run your business through Yisrael Workspace Setup — it maps your exposure and a licensed advisor reviews the result with you.

Set Up Yisrael Workspace →

Common questions

Working with a commercial insurance brokerage.

What does a commercial insurance broker actually do?: A commercial insurance broker works for the business, not the carrier. We review how your operation actually runs — payroll, class codes, vehicles, contracts, locations — then structure and negotiate coverage with A-rated carriers, and manage the program through servicing and renewal.
Which states is Yisrael Agency licensed in?: We are a licensed commercial insurance brokerage in Colorado (#824686), New York (#BR-1889269), and Hawaii (#21027605). We work with businesses across a wide range of sizes and levels of complexity in those states.
What does the risk review cost?: Nothing. We do not charge consulting or service fees for the review or for ongoing servicing. We are compensated by the carrier when coverage is placed.
How long does it take to get started?: Yisrael Workspace Setup takes about two to three minutes, and a licensed advisor completes an initial review within one business day.
What is the Yisrael Workspace?: It is the secure workspace every client gets on day one. Your risk profile, analysis, quotes, policies, documents, certificates of insurance and renewals all live there, alongside a direct line to your advisor — so nothing lives in an email thread.
Which lines of business insurance can you place?: General Liability, Commercial Property, BOP, Workers' Compensation, Commercial Auto, Inland Marine, Professional Liability (E&O), Cyber, D&O, EPLI, Umbrella, and industry-specific specialty programs.