HOW IT WORKS · /HOW-IT-WORKS
Nine questions / We price it / A principal signs it / 1–2 business days
You will have an indication in one to two business days. We publish the standard and we hold it.
What you see
01
Nine questions
Plain English. No ACORD form, no insurance vocabulary. Two minutes.
02
We price it
A licensed underwriter prices it. Not an algorithm handing you a number. A person who prices contractor comp for a living.
03
A principal signs it
Nothing reaches you until it has been reviewed and signed by a licensed principal of this agency.
04
1–2 business days
You hold it next to your renewal. If the numbers change, we reissue it.
What happens internally
The site shows this chain because both sides matter: what you answer, and what we do with it before anything reaches you.
01
Intake lands
Your nine answers, timestamp, IP address, the exact consent language displayed, and GCLID if present. A person reads them the same day they come in.
02
Fit is confirmed
Payroll in Arizona or Utah. People on a W-2, not counting owners or officers. Not certificate-only. Not California. Not a monopolistic state-fund state.
03
Class is confirmed
Plumbing NOC & Drivers is 5183 unless the work says otherwise. Fire sprinkler installation is 5188. We do not guess, and we do not invent a code.
04
An underwriter prices it
Clear Spring paper. Contractor book. The same people who price this class all day. Not an online rate and not an instant premium.
05
A licensed principal reviews and signs it
If they will not sign it, you do not see it. Nothing is an indication until a licensed principal of this agency has reviewed it.
06
The indication is issued
We send it to you. We do not copy your incumbent. We do not start a quote file they will see. We do not call your current agent.
07
Quote when you are in the window
If your renewal is more than 120 days out, you hold the indication against the offer when it lands. Inside 120 days, we can work a real quote. If the facts change, we reissue it.
08
Bind
Coverage begins only when a policy is bound in writing by the insurer. Direct-billed on Clear Spring paper. ROC and DOPL certificate filings go out as part of binding.
Why step 6 is the point
Step 6 is the reason this site exists. Shopping workers compensation the ordinary way means someone at your current agency finds out you are looking. We issue an indication you can hold against the renewal. We do not create a submission your incumbent will see, and we do not ask you to tip them off. If the numbers are not better, you stay. If they are, you move on your timeline.