Agents do the preparation. A licensed producer decides.
Six stages. Four of them run without a human touching them, and the two that need a person are the two that legally require one.
You tell us what you do
Six questions in a form, or the same six in chat. A live estimate appears from question two — before we ask for your email.
We shop the market
Admitted carriers, surplus lines and state funds, in parallel. Carriers that decline your class are filtered before a submission is built, so nothing is wasted.
A producer reviews it
Every quote is checked by a licensed producer before you see it. This is the step that cannot be automated, and we do not pretend otherwise.
You choose and bind
You see the spread, including what each carrier pays us. Binding is a person signing — by law, not by our preference.
Certificates the same day
Post-bind, certificates issue in under a minute, unlimited, at no charge. That is the part contractors actually feel.
We watch the calendar
Renewals re-shopped at 60 days, payroll audits prepared, state deadlines tracked. You hear from us before a deadline, not after.
It does not bind coverage, take payment, tell you whether a claim is covered, or contact an injured worker. Those four are regulated acts, and they are not switched off in a settings panel — the software has no path to them.
Read the AI disclosure →