The Direct Difference

Disrupting a traditional market, we harness a unique approach, placing industry specialists in direct contact with our customers.

Most business insurance is sold through a traditional agent or broker. An agent represents and is licensed to sell for a specific insurance company or companies. There are two types of insurance agents: captive agents and independent agents. Captive agents represent a single insurance company and may be employed directly by the insurance company or work as an independent contractor. Independent agents can represent multiple insurance providers and be licensed to sell for each provider.

Brokers do not actually sell insurance, they are the middleman between a customer and an insurance company. They will help shop for and compare insurance plans from multiple insurance providers. This can typically lead to fragmented business insurance split up between numerous insurance companies — each company responsible for a piece of the pie, which can also lead to gaps in coverage.

Going direct can save you up to 20%.

Both traditional agents and brokers are generally paid via a commission, which is determined from a percentage of the policy premium they sell. The commission rate is negotiated with each insurance company they sell policies for, and the insurance company will include the commission in the policy premium itself; the customer does not see how much this commission actually is, but it’s typically at least 15-20%. 

Because we sell directly, no agent or broker can access our solutions. Dedicated, industry experts collaborate with you to find a solution that’s responsive to your specific business needs.

As a direct insurance provider, we eliminate the need for intermediaries like traditional agents or brokers. This means all services, from claims to underwriting, are handled by our in-house teams, ensuring your interests are always prioritized. Working directly with the insurer provides faster responses and eliminates the potential for conflicts of interest often found in traditional models.

By cutting out the middleman, we offer streamlined processes, bundled coverages, and a simplified insurance experience. This direct approach allows us to specialize in specific industries, such as franchising, enabling us to deeply understand customer needs and provide tailored, effective insurance solutions.