Our Insurance Carriers
We only partner with A-rated or higher insurance carriers with strong financial strength and proven claims-paying histories.
Why Our Carrier Partners Matter
Insurance is a promise: you pay premiums, and the carrier promises to pay claims. But that promise is only as good as the company making it. That's why we're selective about who we partner with.
Our Selection Criteria
Every carrier we work with must meet strict standards:
Required Standards:
- A Financial Strength Rating: A- or higher
Rated by A.M. Best, the gold standard for insurance financial ratings
- $ Financial Reserves: $500M+
Sufficient reserves to pay claims even in market downturns
- ✓ Claims-Paying History
Track record of fair, fast claims payment
- 📋 Licensing & Compliance
Licensed in all states they operate, fully compliant with regulations
- ⏱ Market Experience
At least 10+ years serving small and mid-sized businesses
Understanding Financial Strength Ratings
A.M. Best ratings indicate an insurer's ability to pay claims:
- A++, A+ - Superior
- A, A- - Excellent (our minimum standard)
- B++, B+ - Good (we don't use)
- B, B- - Fair (we don't use)
- C++ and below - Marginal to poor (we don't use)
Why We Don't Use "Cheap" Carriers
You might find lower premiums from lower-rated carriers. Here's why we don't offer them:
- Higher claim denial rates: Cheap carriers look for reasons not to pay
- Financial instability: Risk of insolvency during market stress
- Slow claims processing: Can take months to resolve claims
- Poor customer service: Hard to reach, unhelpful when you need them
- Coverage gaps: Hidden exclusions you don't discover until you file a claim
Real Talk
Insurance is a promise to pay when things go wrong. Saving $200/year on premiums is meaningless if your carrier denies your $50,000 claim or goes bankrupt. We only work with carriers we'd trust with our own businesses.
Our Carrier Network
We partner with multiple top-rated carriers to ensure competitive pricing and broad coverage options:
E&O Insurance Carriers
- Specialized E&O carriers with deep experience in professional liability
- Industry-specific expertise (real estate, financial services, tech, etc.)
- Claims attorneys who understand your business
General Liability Carriers
- Major commercial insurers with nationwide presence
- Fast claims processing and broad coverage
- Competitive pricing for entrepreneurs
Workers Compensation Carriers
- State-approved carriers in all 50 states
- Pay-as-you-go options for flexible cash flow
- Experience with remote and revenue-based teams
How We Choose the Right Carrier for You
Not all carriers are equally good for all businesses. We consider:
- Your industry: Some carriers specialize in certain fields
- Your risk profile: Match your exposure to carrier appetite
- Your budget: Best value for your specific needs
- Coverage needs: Unique requirements or high limits
- Claims history: Some carriers better for prior claims
What You Can Expect
When we send you quotes, you'll see:
- Carrier name and A.M. Best rating
- Financial strength and size
- Coverage highlights and exclusions
- Claims process and support
- Why we recommend (or don't recommend) each option
Our Promise
We will never recommend a carrier we wouldn't use ourselves. Your trust is more valuable than any revenue. If a carrier doesn't meet our standards, we won't offer them—period.
Questions About Carriers?
Want to know which carriers we use for your specific industry or coverage type? Get a free quote and we'll show you your options with detailed carrier information.