Multiple lines
Most businesses buy coverage piece by piece and end up with gaps between the policies. Quoting together is how you see them.
Quote everything at onceEntity type and revenue
Payroll and employee count
Vehicles and drivers
Property values
Quoting separately is how gaps appear.
| Line | What it protects | Usually required when |
|---|---|---|
| General liability | Third-party injury and property damage | You sign a lease or a contract |
| Commercial property | Your building, contents and equipment | You own or lease space and contents |
| Commercial auto | Vehicles you own and vehicles you use | You have work vehicles or employee driving |
| Workers compensation | Your employees' injuries | You have employees, in nearly every state |
| Umbrella | Limits above the underlying policies | Contracts require higher limits than the base policies provide |
Two policies with a hole between them is the most common coverage failure.
Carriers discount accounts that place multiple lines with them.
Everything renews together so nothing lapses unnoticed.
One agent who can see the whole program.
Yes, but tell us what else you have. The gaps are usually between policies, not inside them.
Usually on the property and liability side. The savings vary by carrier and by class.
We can align the renewal dates over a term so the program eventually runs on one date.
Hired and non-owned auto, for employee rentals and personal cars used for work
Business income, which a property policy does not include by default
Umbrella limits, when a contract requires more than the base policies provide
Inland marine, for tools and equipment away from the premises
Tell us everything you have and we will look for the gaps, not just the price.
