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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
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 (current step)
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 06 of 06 · Renewals & Insights
Renewals open early, with the changes surfaced
The platform reopens the program months ahead and reports what changed in your exposure, so decisions happen calmly instead of two weeks out.
Renewal opens 180 days before expiration
Renewal insightsSample
2027 renewal
Opens in 42 daysRevenue vs. last term$5.2M → $6.4M (+23%)
Field payroll$1.7M → $2.1M
Vehicles added+3 light trucks
Open claims1 — GL, reserved $18K
Advisor flag: growth of this size usually changes your GL rating basis. We'll re-market before your current terms renew.
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.
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Commercial Property
Building, contents, business income, and equipment - valued at replacement cost and structured to survive a real loss.
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Business Owner's Policy (BOP)
Packaged liability + property coverage for small and mid-size businesses with straightforward exposure profiles.
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Workers' Compensation
W-2 payroll-rated coverage with class code audits to make sure you're not overpaying on the wrong code.
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Commercial Auto
Owned, hired, and non-owned auto with primary + excess structuring for fleets and operator-driven businesses.
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Tools & Equipment / Inland Marine
Scheduled and unscheduled coverage for high-value tools, contractor equipment, and movable property.
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Professional Liability (E&O)
For service providers whose work product, advice, or design can be challenged after the fact.
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Cyber Liability
First- and third-party cyber coverage - incident response, ransomware, regulatory defense, and notification.
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Directors & Officers (D&O)
Personal liability protection for company leadership against management and governance claims.
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Employment Practices Liability (EPLI)
Coverage for wrongful termination, discrimination, harassment, and wage-and-hour disputes.
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Umbrella / Excess Liability
Additional limits sitting above your primary policies, structured to match real contractual obligations.
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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.