Small businesses pay 18-25% more for the same coverage. Group purchasing levels the playing field.
Insurance carriers price policies based on risk pools. Small businesses get lumped into high-premium individual policies while large corporations enjoy 20-30% discounts through group purchasing and dedicated underwriters.
A typical $1M revenue business spends $20,000 annually on General Liability, Workers Comp, Property, and Cyber insurance. Through collective bargaining, we reduce that to $16,400 - saving $3,600 per year.
We aggregate 500+ small businesses into a single large group, giving us the negotiating leverage of a Fortune 500 company. Carriers compete for our $10M+ annual premium volume.
Insurance needs change as your business evolves. We review coverage annually and rebid policies every 2-3 years to prevent premium creep and ensure you're not over-insured.
When claims arise, we advocate on behalf of our entire member group. Carriers settle faster and more fairly when dealing with a large coalition versus individual policyholders.
Bodily injury, property damage
Employee injury coverage
Buildings, equipment, inventory
E&O, malpractice coverage
Data breach, ransomware
Directors & officers liability
Get enterprise-level rates through group purchasing power