Line 01
General Liability
Third-party bodily injury and property damage coverage - calibrated to your operations, jurisdictions, and contract requirements.
The Platform
One platform for the entire insurance lifecycle.
The platform runs the work — exposure data, analysis, submissions, documents, certificates and renewals. Licensed advisors make the calls that require judgment. Both live in the same secure workspace, in real time.
Platform modules
Six modules. One record of the business.
Tap a module to jump to its step in the lifecycle walkthrough.
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Commercial Risk Profile (current step)
A living record of operations, payroll, fleet and locations.
Analysis & 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.
How it works
From submitted profile to renewal — see what the platform returns.
Step through the lifecycle and preview the actual output of each module.
Step 01 of 06 · Risk Profile
Your operations become a structured record
You submit once. The platform turns payroll, fleet, locations and contract requirements into a living exposure record an advisor can work from immediately.
Typically complete in one sitting
Risk 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 in the platform — not just placed.
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 the platform's risk analysis — it maps your exposure and a licensed advisor reviews the result with you.