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Insurance coverage
Insureon is the #1 digital agency for small business insurance. We're licensed in every state and we work with the biggest names in the industry to find the best coverage for your small business.
As part of Hub International, the fifth largest broker in the world, we have experts in every profession who know the insurance needs of your small business. That means you'll get policies that match your risks, without paying for coverage you don't need.
When you apply for quotes with Insureon, you'll see insurance policies from the carriers that best fit your business. Then you can choose a policy that meets your budget, with the peace of mind of knowing it's right for you.
At any point, you can consult a licensed agent to discuss your needs and get answers to any questions you might have. They can help you choose appropriate limits, add endorsements, or buy a surety bond in addition to insurance.
An insurance agent represents the carrier, while an insurance broker represents the buyer. Both can help your small business get insured.
Insureon works as both an agent and a broker. Our insurance agents help small business owners find coverage from top carriers in the industry. We also employ insurance brokers who can help you find specialized coverage outside of the standard insurance policies.
This offers a tremendous advantage to our customers, as we can insure small businesses with both typical and unique risks, even those who might have difficulty finding coverage elsewhere.
Read more about the differences between agents and brokers.
It's easy to get business insurance with Insureon. Fill out out easy online application to get quotes from top-rated insurance companies. Once you find the right policy, you can pay online and get a certificate of insurance, often within a few hours of applying for quotes.
If you have any questions throughout the process, or would like any advice, our licensed insurance agents are happy to help. They can help you choose limits, add endorsements, or find specialized coverage for unique risks.
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[video: a number of animated logos display for a variety of insurance carriers, including The Hartford, Philadelphia Insurance Companies, AmTrust Insurance, Travelers Insurance, Acuity Insurance, Chubb Insurance, The Hanover Insurance Group, Hiscox Insurance, and Liberty Mutual Insurance.]
LEE ANNE WRIGHT, VP ACCOUNT MANAGEMENT: As we are a true independent agency, we have a lot of different options, and businesses change. So what we have is we have the opportunity to look at your renewal, determine if that's the correct carrier, is the rate different, can we go to someplace else for different options, different coverages.
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The risk managers on the stewardship team are very, very adept at doing this on the renewal, and they work with the clients, and it's really nice to be able to have all those carrier relationships to work with.
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We enjoy a steady increase in customers because we of our renewal book and our relationship with our existing clients. You know, our existing clients trust us so much, we developed the rapport with them that they will refer us to other clients that they know as small businesses in their vertical, their business, their industry.
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Most of our clients have been with Insureon for a number of years, and they've developed the relationship with their account manager, and they know that if they have a question or if they have coverage question, or they they need additional coverages, that their account manager is now a risk manager and they know how to provide the best coverages for the price, and do the best for the client.
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Our clients are not only staying with us and retaining their policies, but we're also looking all the time as the marketplace changes for additional exposures and coverages that they might need.
Our account managers are adept at coverages and marketplace trends right now. For example, a big marketplace trend is a cyber Insurance. You don't go a day without not hearing of a cyber breach, and all of our clients would need that important coverage, and our account managers know what carriers to go to, what the pricing is for your particular industry, and so they're there to help.
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I'd say one of the biggest opportunities coming is because we're a digital agency is the technology and the AI of the future. You know, we partner with our carrier partners on AI, and it will make the experience quicker and easier for our clients, as well as our account managers being able to renew our policies.
I would say some of the biggest challenges for our teams and our clients is climate change. And what happens in the insurance market is, you know, catastrophic losses like floods, you hear about wildfires, and that makes a pressure on the market. What happens is because of the pressure, everybody has to pay a larger premium. The only thing we can do is look at each and every renewal and exposure, and if the exposures are increasing for our clients, we look for alternate markets. We look for different ways to place the coverage, you know, different deductibles, different options for the clients to be able, for it to be more affordable for them.
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Future of small business is going to be digital, we're also very very far ahead of the curve at Insureon because we already have our digital platform. We can have the client experience go from start to finish online. I also think that there's going to be more AI built into the digital platform where it's a more seamless experience for our clients.
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There's always going to be small businesses. No matter what happens in the world, we're always going to have people that are boots on the ground, doing what they do every day. They're going to need insurance, and we're here to help them.
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To review your quotes, log in to your account.
If this is the first time you are logging in to your account, use the one-time, temporary password that was emailed to you during the application process. Note that it might take some time after you submit an application for quotes to appear for your review.
You may also email or call an Insureon representative directly for more information. You can find contact information for your Insureon agent on the "Quotes" tab once you log in to your account.
If you applied for quotes, you have an account with us.
You should have received an email during the application process with your login name and temporary password. If you don’t see it in your inbox, check your spam folder. If you still don’t see it, you can reset your password on the log in screen.
You can reset your password by going to the log in screen and then clicking the Forgot Password? link.
If you do not receive a password reset email in a few minutes, please check your spam folder. If you continue to experience password issues after taking these steps, contact us via email or give us a call.
The fastest way to unlock your account is to contact us via email or phone: [email protected] or (800) 688-1984.
You will need to contact your account manager to update the address on your account. You can find your account manager’s contact information on the "Quotes" tab after you log in to your account.
Getting a certificate of insurance is easy. Just log in to your account, select the "Certificates" tab, and then click the blue Request Certificate button to get started.
You need to have an active policy to request a certificate. If your certificate request is urgent, call your account manager directly to expedite the process.
You must contact your account manager directly to cancel your policy. Your account manager’s contact information is available in the "Quotes" tab after you log in.
You can find out more about small business insurance on our policy pages: