How it works
From first call to certificate, and every renewal after.
Here is what working with Commercialy looks like, step by step, and roughly how long each part takes. We handle the forms, the carriers and the fine print in between.
Six steps
What to expect.
The first one you can do from the job site.
01About three minutes
Tell us about the business.
By phone or with the online form. What you do, where you work, the coverage you're after if you know it, and who is asking you for proof of insurance.
No account, no obligation. Just what we need to get started.
02Usually the same business day
We read it and call you.
A licensed agent reviews what you sent. If anything is unclear we'll ask, by email or phone, whichever you prefer.
We want to understand the business before we take it to a carrier.
03One to three business days for most risks
We shop more than one carrier.
We take your account to A-rated carriers whose appetite fits what you do.
You get the benefit of those markets without filling in the same application over and over.
04On your timeline
You get a side-by-side.
What's covered, what isn't, what it costs and what we'd pick, in plain English.
The proposal is online behind a secure access code. Read it at your own pace and ask us anything.
05When you're ready
You choose. We bind.
We handle the binding and make sure the policy documents are right.
No pressure to decide on the spot. We'll be here when you are.
06For as long as you have the policy
We stay on it.
Certificates, endorsements, claims questions and renewals all come to us.
At every renewal we shop more than one carrier again, so the price you pay is checked against the market each year.
Worth knowing
Three things up front.
- 01There's no obligation to buy. We do the work to find your options; you decide whether to go ahead.
- 02We explain everything. Ask about any line of the quote and we'll walk through it.
- 03Your information is handled securely and never sold.
Talk to a licensed agent, not a phone tree.
Tell us what the business does and we'll come back with options from more than one carrier, explained in plain English.