The Agency Advantage
Same Business. Same Coverages.
Very Different Premiums.
When you go direct to one carrier, you get one price. When risk | x shops the market, you see what's actually available — and businesses save 20–30% on average.
Select a business profile
General Contractor
A mid-size general contractor in California doing residential remodels and light commercial work. Needs GL, workers' comp, and commercial auto.
Potential Savings
$4,200
28% less per year
| Carrier | General Liability | Workers' Comp | Commercial Auto | Total Annual | AM Best | Strengths |
|---|---|---|---|---|---|---|
The Hartford | $3,800 | $6,200 | $2,400 | $12,400 | A+ |
|
Travelers | $4,100 | $5,800 | $2,900 | $12,800 | A++ |
|
★CNA | $3,400 | $5,600 | $2,200 | $11,200LOWEST | A |
|
Nationwide | $4,600 | $6,800 | $3,100 | $14,500 | A+ |
|
The Hartford
GL
$3,800
WC
$6,200
Auto
$2,400
Total
$12,400
Travelers
GL
$4,100
WC
$5,800
Auto
$2,900
Total
$12,800
CNA
GL
$3,400
WC
$5,600
Auto
$2,200
Total
$11,200
Nationwide
GL
$4,600
WC
$6,800
Auto
$3,100
Total
$14,500
These are illustrative examples based on typical commercial insurance scenarios — not actual carrier quotes. Actual premiums vary based on claims history, location, exact operations, and underwriting criteria. AM Best ratings as of 2024. Contact us for a real comparison tailored to your business.
How We Get You These Rates
We're not locked into one carrier. Here's the difference.
Going Direct / Captive Agent
- ✕One carrier, one price — take it or leave it
- ✕Agent is employed by the carrier, not you
- ✕No visibility into what competitors offer
- ✕Switching carriers means starting over
risk | x
- ✓Multiple carriers compete for your business
- ✓We work for you, not the carrier
- ✓Side-by-side comparison of rates and coverage
- ✓Easy re-marketing at renewal — no starting over
See Your Real Numbers.
These are sample scenarios. Tell us about your business and we'll run a real comparison — free, no obligation.