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 request history
- Renewal flag (“do we still need this certificate holder this year?”)
At renewal, the snapshot fires a task for every active certificate holder so the producer can issue the updated COI from your AMS — nothing falls through the cracks.
Cyber cross-sell trigger
One of the fastest-growing lines in commercial. The snapshot fires a cyber-specific educational + intake to every existing commercial account during the annual review — so the conversation starts systematically instead of waiting for a breach to force it.
What’s inside
- B2B intake form with commercial-specific qualification
- CRM & workflow automations — claims-made pipeline with retroactive-date preservation alerts
- Tail / ERP reminder workflow for carrier changes + retirements
- Certificate-holder tracking with renewal tasks to re-issue COIs from your AMS
- Cyber cross-sell sequence in every annual review
- Loss-runs reminder cadence 90 days pre-renewal
- Commercial renewal cadence (longer, producer-led)
- SMS automation with business-hours windows; TCPA-safe + A2P 10DLC filed free
- Appointment automation for account reviews and producer hand-offs
Pricing & install
One-time $997 (was $1,697). 24-hour install. 10 dedicated hours.