Why an Independent Agency
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
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+ |
|
GL
$3,800
WC
$6,200
Auto
$2,400
Total
$12,400
GL
$4,100
WC
$5,800
Auto
$2,900
Total
$12,800
GL
$3,400
WC
$5,600
Auto
$2,200
Total
$11,200
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.
As an independent agency, we're not locked into one carrier. Here's the difference.
These are sample scenarios. Tell us about your business and we'll run a real comparison — free, no obligation.