Business Insurance

Your IronPoint membership provides you access to most lines of business insurance. Since we are not a General Agency, we are not good for most specialty lines or hard-to-place risks. However, our partner insurance carriers are some of the best commercial underwriters, and offer a broad range of competitive and commercial product, perfect for most office, retail, wholesale, food service and automotive repair businesses.

	Business Owner’s Policy (BOP) All our members have access to our commercial quoting platform, Insureon. Within Insureon you can input your commercial risk (eg. BOP, Workers Comp, General Liability, Package), and see the rates of our carriers. For more information on quoting, see the “Quoting” tab on this page. Carriers: GUARD Liberty Mutual AmTrust Allstate Travelers Nationwide Hartford
	General Liability All our members have access to our commercial quoting platform, Insureon. Within Insureon you can input your commercial risk (eg. BOP, Workers Comp, General Liability, Package), and see the rates of our carriers. For more information on quoting, see the “Quoting” tab on this page.
	Commercial Property All our members have access to our commercial quoting platform, Insureon. Within Insureon you can input your commercial risk (eg. BOP, Workers Comp, General Liability, Package), and see the rates of our carriers. For more information on quoting, see the “Quoting” tab on this page.
	Commercial Auto All our members have access to our commercial quoting platform, Insureon. Within Insureon you can input your commercial risk (eg. BOP, Workers Comp, General Liability, Package), and see the rates of our carriers. For more information on quoting, see the “Quoting” tab on this page.
	Worker’s Compensation All our members have access to our commercial quoting platform, Insureon. Within Insureon you can input your commercial risk (eg. BOP, Workers Comp, General Liability, Package), and see the rates of our carriers. For more information on quoting, see the “Quoting” tab on this page.
	Professional Liability (E & O) Many partners carriers add value-add optional coverage that may be appealing to your insureds. Make sure to see if OEM parts, deductibles waivers, roadside assistance or other optional coverages are attractive to your clients.

Provide the service your customers expect

Take advantage of mobile service tools Today’s customers prefer the option of doing business online. Take advantage of e-signature and ensure your customers are taken care of 24/7 with online access to their policy and billing account with the carrier’s Mobile, our smartphone app. Get started today!

IronPoint members all get access to our Insureon comparison rating platform. This allows our members to input rating and underwiting information for all carriers online, and get a comparison quote.

Of course, if you have carrier credentials, you can always quote directly on the carrier’s systems.

• Carriers on Insureon

  Not all of our carriers are on Insureon. However, new carriers will be added throughout the next 12-months.

  The current carriers on the platform are:

  • Travelers BOP, GL, Work Comp and Package
  • Hartford BOP, GL, Work Comp and Package
  • Liberty Mutual BOP, GL, Work Comp, Package
  • AmTrust Work Comp Only.
  • GUARD BOP, Work Comp (within 60-days)
  • Nationwide BOP, GL, Package (By Year-End)
• Insureon Quoting Basics

  Staring a Quote

  Getting a quote in Insureon is easy. Start from the home page by typing in the classification of your risk. The smart class system will attempt to find the class you are looking to quote. Once selected, simply press “Start Application”.

  

  Selecting a Line of Business

  There will be some general information, and the next major step is to select the coverage you want to quote:

  

  The Quote Summary

  After you complete the balance of the rating and underwriting questions, you will be able to rate the quote. Once rated (it can sometimes take a few minutes for all quotes to return), you will be provided all returned quotes. Each will have the ability to expand the selection to review underwriting adjustments, get links to the carrier, or see why the risk was declined.

  

• Creating Acord Forms from Insureon

  If after you’ve completed your quote, the carriers within Insureon aren’t providing you with a competitive quote, you can generate Acord forms from Insureon to submit to underwriting for assistance shopping with other carriers. Simply select “Generate Forms” from the top of the page and select the appropriate Acord forms. Once downloaded, submit them to underwriting using the “New Quote Service” form.

  

• Marketing Your Insured in Insureon

  If you want to market a client, you can send them a link to complete the Insureon application form online. From the dashboard, click the “Generate Unique Link” button to create your unique link.

  Once the link is created, you can copy that link to embed into an email and send to the insured.

  

Your IronPoint membership allows you to quote and issue mid-market and small business insurance products. This provides you a powerful tool to compete on a wide range of business risk, and provide your commercial lines clients protection business insurance leaders.

Below you’ll find the manuals that are currently available by carrier, or instruction where to locate them.

• Travelers

  Travelers offers you a general manual for most lines of business written in their small and mid-sized program (“Select Accounts”). Below is the general rules manual and the segment manuals when they have modified rules:

  Main Manual	Segment Manual
  MasterPac Reference Guide	Religious Retail Stores Office Garage Restaurant Wholesaler

• Liberty Mutual

  Liberty mutual offers a single manual that helps you underwrite BOP, Package, Workers Compensation and Auto.

  Liberty Mutual Product Guide

• Berkshire Hathaway GUARD

  GUARD is our #1 small business provider. They have competitively priced products and an easy to quote platform. Below are the general rules for their BOP, WC and auto products:

  Business Owner’s (BOP)	Workers Comp	Commercial Auto
  Product Guide Underwriting Rules	Product Guide	Product Guide Underwriting Rules

• Nationwide

  Nationwide provides most of their resources online. However, below is the BOP manual. Nationwide has a surprisingly broad appetite (also online), and can be a useful tool to closing small commercial deals.

  Nationwide BOP Manual

• The Hartford

  All of Hartford appetite and manuals are online.

• AmTrust

  AmTrust has an online appetite tool and the eligibility and rules are built into the quote flow. Therefore, rules and appetite are all online.

• Allstate

  Coming Soon!

Professional liability is the newest option we are rolling out to all our members! Currently we have options available through GUARD and Travelers, but will be opening new markets to your as soon as we can.

Participating carriers: Travelers GUARD

How do I get a quote?

For Quoting with GUARD, the application, appetite and rules are all online. If you already have your user credentials, go online and start your quote.

When quoting Travelers, you will need to complete an application, then use the “New Quote Service” form to refer to your underwriter. Your underwriter will submit on your behalf to Travelers and help you through the process.

Travelers Professional Liability Applications