Business Liability Agencies
Commercial liability — general, professional, products, D&O, cyber, EPLI — is where the small-business owner spends the second-largest insurance dollar of the year. It’s also the line where most agencies write the policy once and never talk to the insured again until renewal.
B2B intake that handles commercial reality
The B2B intake captures the underwriting basics every commercial carrier asks:
- Entity type (LLC, S-Corp, sole prop, partnership)
- Annual revenue range
- Employee count + 1099-contractor count
- Prior claims history (3-year, 5-year, 10-year per carrier)
- Prior carrier history with reason for change
- Industry classification (SIC / NAICS)
- Operations description
Producer walks into the underwriter conversation with the application 80% complete.
Claims-made awareness
For claims-made lines (PL, E&O, D&O, cyber):
- Retroactive date tracking — the snapshot tracks every policy’s retroactive date and fires a “do not let this policy lapse without tail coverage” alert if cancellation is requested
- Extended Reporting Period (ERP) calculator — when an insured is changing carriers or retiring, the snapshot calculates tail-cost estimates by carrier
- Prior-acts vs new-coverage explainer — a permission-based educational series for new claims-made buyers
Certificate-holder workflows
Every additional insured / certificate holder gets a tracked record with:
- Originating contract / lease / vendor agreement
- Required limits and additional-insured wording
- COI delivery history
- Renewal flag (“do we still need this certificate holder this year?”)
At renewal, the snapshot generates the new COI for every active certificate holder automatically.
Cyber cross-sell trigger
The single fastest-growing line in commercial. The snapshot fires a cyber-specific educational + intake to every existing commercial account during the annual review. Typical agency sees 30% of accounts add cyber within a year of the conversation starting.
What’s inside
- B2B intake funnel with commercial-specific qualification
- Claims-made tracking with retroactive-date preservation
- Tail / ERP calculator for carrier changes + retirements
- Certificate-holder management with renewal auto-COI generation
- Cyber cross-sell trigger in every annual review
- Loss-runs collection 90 days pre-renewal
- Commercial renewal cadence (longer, producer-led)
- TCPA-safe SMS with business-hours windows
- Producer leaderboard with new-business + retention attribution
Pricing & install
One-time $997 (was $1,697). 24-hour install. 10 dedicated hours.