Better business insurance for less

Get better pricing on insurance for your business, through our proprietary network and data. Fast quotes, comprehensive coverage.

What to Expect

avg. insurance cost saving

22 %

call back time

<1 hr

1500+

Operators Served

20+

Active Programs

30+

Carriers

Industry Programs

Broad coverage across the industries you work in.

From the trades to retail to hospitality, we write a wide range of businesses, and know each one inside and out.

Roofing

General liability, tools & equipment, and completed-operations coverage for crews working at height.

Electrical

Liability and equipment coverage built for licensed electricians and their crews.

Plumbing

Coverage for tools, vehicles, and liability exposure on every job site.

Restaurants & Bars

Property, liquor liability, and workers' comp for kitchens, dining rooms, and bars.

Painting

Liability and equipment coverage for interior, exterior, and commercial crews.

HVAC

Protection for techs and equipment, from service calls to full system installs.

General Contracting

Coverage that scales with multi-trade crews and complex job sites.

Trucking & Logistics

Fleet, cargo, and liability coverage for owner-operators and small fleets.

Retail

Property, liability, and business income coverage for storefronts and retail teams.

Churches & Worship

General liability and property coverage for churches, synagogues, mosques, and temples.

Garages

Garagekeepers liability and equipment coverage for auto repair shops.

Don't see your industry? Ask us →

Coverage Lines

Every line your business actually needs.

We place nine major coverage lines across a panel of 30+ A-rated carriers, all in one conversation.

General Liability

Third-party bodily injury, property damage, and personal injury. The foundation of every commercial program.

Commercial Auto

Fleet and non-owned auto for contractors, trucking operators, and service businesses on the road.

Workers' Compensation

Statutory coverage in all operating states with dedicated loss-control services for high-hazard classes.

Commercial Property

Buildings, business personal property, equipment breakdown, and business income/extra expense.

Employment Practices Liability

Wrongful termination, discrimination, harassment, and wage & hour disputes for growing teams.

Cyber Liability

First- and third-party cyber coverage including ransomware, data breach, and business interruption.

Umbrella / Excess

Limits from $1M to $25M sitting above your primary program. Required by most general contractors.

Professional Liability

Errors & omissions for design-build contractors, engineers, and technology service providers.

Liquor Liability

Coverage for restaurants, bars, and caterers that serve alcohol, for injuries or damage tied to intoxication.

Process

From intake to bound in 48 hours.

We stripped out every step that doesn't serve you. The result is a process that respects your time.

2-Minute Intake

Tell us about your business: what you do, where you operate, your revenue range, and any prior claims. No lengthy questionnaires.

We ask only what underwriters actually need.

We Market Your Risk

Our team shops your submission across the full A-rated carrier panel. For most classes, you have options within 24–72 hours.

Median quote turnaround: 48 hours.

Plain-English Comparison

We present quotes side by side in plain English, no jargon, no hidden exclusions. You pick the program; we bind it.

Same-day binding available for qualifying accounts.

A-Rated Carrier Panel

We work with the carriers operators trust.

Travelers
Chubb
The Hartford
Liberty Mutual
CNA
Nationwide
Zurich
Hiscox
AIG
Markel
Berkshire Hathaway
Great American
Tokio Marine
Philadelphia Ins.
Employers
Cincinnati Financial
Westfield

Client Stories

What operators say after working with us.

“We got three carriers to compete on our trucking program within 48 hours. Previous broker took three weeks and came back with one option.”

Marcus T.

Regional Flatbed Operator, TX · 34 trucks

“They actually understood our concrete work. Didn't treat us like every other contractor; they knew the difference between flatwork and structural pours.”

Diana R.

Structural Concrete Contractor, CA · $8M revenue

“Renewal was painless. They sent a plain-English summary explaining every change from last year. No surprises, no phone tag.”

James K.

Metal Fabricator, OH · $12M revenue

“Our old carrier dropped us mid-season. Cohesive had a new roofing program bound in four days, and the rate came in lower than what we were paying.”

Ana P.

Commercial Roofing Contractor, FL · 22 crew

“The liquor liability piece is what sold me. They knew exactly which carriers wanted our class and which ones would nickel-and-dime the endorsements.”

Sofia M.

Restaurant & Bar Group, IL · 3 locations

“As an owner-operator, I never felt like a small account. They walked me through cargo and physical damage line by line until it actually made sense.”

Darnell W.

Owner-Operator, GA · single-truck authority

“We opened a second location and they had the added property and liability endorsed the same afternoon. Zero downtime, zero drama.”

Priya N.

Specialty Retail, WA · 2 storefronts

“Their team caught an exclusion in our old GL policy that would have left us exposed on every remodel. That alone paid for the switch.”

Robert C.

General Contractor, NC · $15M revenue

“Fast, direct, and no insurance jargon. I texted a photo of my current policy and had a better quote back before lunch.”

Elena V.

Licensed Electrician, AZ · 8 electricians

Ready to see what a competitive market looks like?

Tell us about your business in 2 minutes. Our team will market your account and have options back to you in under 48 hours.