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Three ways to get a quote
Whichever way you start, you get a written proposal that says what is covered, what is not, and what we would change.
Quote standard business lines online
General liability, business owner's policies, workers' compensation and some other standard lines, quoted in minutes through our online application. It opens Bold Penguin, our online quoting partner, in a new tab.
Quote my business online (opens in a new tab)Link your existing policies
Link your existing policies securely with our agency to get started. We see your current coverage, limits and renewal dates, and quote like for like. This is our QuickStart process, on a secure page run by InsurGrid. It opens in a new tab.
Link my business policies (opens in a new tab)Link my personal policies (opens in a new tab)Send us the details
The right approach for complex businesses, businesses with prior losses, and anyone with operations outside the United States. Answer our quote form in about ten minutes, or arrange an interview and we ask the questions.
Request a quoteOr call 612-438-3377QuickStart
Link your existing policies
QuickStart links your existing policies securely with our agency. On a secure page run by InsurGrid, you connect your carrier account or upload your documents, and we receive your coverages, limits, deductibles, carriers and renewal dates.
Because we see exactly what you have, we quote the same structure first and then tell you where we would change it. You compare like with like, and you do not retype a single schedule.
- 01Open the QuickStart link for business or for personal
- 02Link your insurance company account, or upload your policy summary pages
- 03Answer a few short questions about what has changed
- 04We review and come back with a written proposal
What linking does, and does not do
Linking your policies gives us the information to quote. It does not move your policies, cancel anything, or commit you to buying. Your information is used to prepare the quote and service your account, and is not sold.
Interview
Talk to an agent
Some risks do not fit a form: a new venture, a production with stunts or drones, a firm whose services have changed, a household with a boat and a board seat.
In an interview we ask about operations, contracts, hazards and what has changed. Bring your current policy summary pages (the declarations pages) and any loss runs if you have them. Expect it to take about half an hour.
What we ask
- What you do, and for whom
- Contracts or leases that set insurance requirements
- Anything hazardous or unusual in the work
- Claims and losses in the last five years
- What you would change about your current coverage, if anything
What happens next
From first contact to bound coverage
- 01LinkQuickStart with your existing policies, or an interview with an agent.
- 02We review and recommendWhat we would keep, what we would change, and why, in writing.
- 03We place and confirmWe put the policy in force with the insurance company and confirm it to you in writing. Until you have that confirmation, treat nothing as in force.
- 04Self-service from day oneClient portal credentials for certificates, ID cards and documents, any hour.
Common questions
Does QuickStart commit me to anything?
No. It gives us the information to quote. Your current policies stay exactly as they are until you decide otherwise.
I do not have current coverage. Where do I start?
Fill out the quote request form, or use the online business quote for standard lines. QuickStart is designed for people who already have a policy to link.
How is my information used?
To prepare your quote and, if you become a client, to service your account. It is handled by InsurGrid, which runs the QuickStart page, and shared with the insurance companies we approach for your quote. It is not sold.
How long does a quote take?
Through QuickStart or an interview, standard business and personal lines are often quoted the same or next business day; the online application for standard business lines is faster. Production, media and professional liability depend on review by the insurance company, and we tell you the realistic date before we start.
Can I use QuickStart for both my business and my household?
Yes. Use the business link for the company and the personal link for the household. We review them together so the limits line up.
Get a quote
Linking your policies takes a few minutes. An interview takes a phone call.