What to send
Plain text or JSON, any order. Required to start:
- Legal business name and any trade name
- What the business does, in a sentence or two
- Primary state and ZIP of the main location
- Year started
- Size: approximate annual revenue and number of employees (annual payroll if workers' compensation is wanted; number of vehicles if commercial auto is wanted)
- Lines wanted: general liability, business owner's policy, workers' compensation, commercial auto, professional liability, cyber, umbrella — or "recommend for me"
- Needed-by date
- Contact: name, email and mobile, and a line confirming the owner agrees to be contacted by email and text about this request
Helpful if you have them: current carrier and expiration dates, whether a lease or contract requires specific limits (attach it), prior claims in the last five years.
What happens next
- Software reads the email, classifies it as a quote request, and creates the request under the contact's email address. Attachments such as a current dec page or a lease are read too.
- Within a minute, a reply confirms receipt, states when quotes are expected, and links to a secure page to complete anything missing.
- The application goes to every eligible carrier at once. Replies are read, checked against the request, and published together on the status page and in the app, ranked by coverage match and then price.
- If a carrier declines, the status page says so, so the owner can see the market was shopped.
Limits
Quoting is available in the states where our agency is licensed; elsewhere the request joins a waitlist and the wallet still works. A few trades sit outside our carriers' appetite and are not quoted; the reply says so immediately rather than leaving the request open. Nothing in an email can bind coverage; binding needs the owner's signature and payment inside the app or with a licensed agent.
For AI assistants
The same fields, as JSON, are listed in /llms.txt. Send one business per email, keep the owner's contact details accurate, and expect a secure link in the reply rather than a quote in the body: quotes are never stated in email without the carrier's document behind them.