Commercial and personal insurance shopping
Compare insurance with more than price
Shop for business insurance in one place, including Workers Comp and General Liability, with Commercial Auto coming soon. You can also compare personal Home and Auto insurance using the same thoughtful framework.
The 5 Cs of comparing insurance
Compare the protection, not just the price
A strong insurance decision looks at five connected questions in order. Cost matters, but it makes sense only after you understand the company, coverage, contract, claims experience, and care behind it.
Company
Review the carrier's overall financial strength, including its credit and ability to pay, track record, philosophy, and how it operates. Is it built to still be here and paying claims in ten years?
The Carrier Report Card adds public company and complaint context.
Coverage
Understand what coverages and endorsements you are actually paying for. Two policies at the same price can protect very differently.
The Workers Comp and General Liability estimators show what drives coverage.
Claims and Contract
Review the fine print, exclusions, claims manual, and how the claims team actually operates and is rated. This is how a carrier treats you when you need it most.
The Carrier Report Card shows public complaint data for claims context.
Care
Decide who takes care of you day to day. You can do it yourself, use a captive agent who represents a single company and can only sell you that one, or work with an independent broker who shops the market and gives you choices. Consider how fast they provide proof of insurance, explain coverage, help you shop, handle paperwork, and whether they understand your business, customers, and community.
This is where an independent local broker wins.
Cost
Compare premium, discounts, and fees last, on purpose. The cheapest policy that fails the first four Cs is the most expensive mistake.
The estimators give you an honest estimated cost range.
Business insurance tools
Start with the live commercial tools, then use the 5 Cs to compare the protection and service behind the estimated indication.
Personal insurance tools
Explore Home, FAIR Plan, and Auto resources with company quality, coverage, care, and cost in view.