Traditional brokers earn a cut of your premium — so the more you pay, the more they make. We charge a flat fee, compare the whole market without bias, and keep your coverage current as your business changes.
No commission. No upsell. No once-a-year paperwork ritual.
policies a typical small business holds — bought piecemeal, from different agents, over years.
of US small businesses are underinsured, and most only find out when they file a claim.
of your premium goes to broker commission — a cost that grows every time your premium does.
of after-hours requests to a broker get answered — and a third of all requests are policy changes.
Your business changes every month. Your insurance changes once a year, in a rushed renewal call — if at all.
Bought from different agents across different carriers, they overlap where you're already safe and go quiet where you're exposed.
When a broker earns a percentage of what you spend, "buy more" and "you're overpaying" come from the same mouth.
Industry guidance tells agencies to hand small accounts off to a carrier service centre and not to re-shop them. Being ignored isn't an accident — it's the business model.
Starting takes two fields and a few minutes — not an afternoon of forms.
Business name and address. We build a picture of what a business like yours should be carrying — before you share a thing.
Forward a renewal email, upload a declaration page, or connect a carrier login. Whichever door is easiest.
Every policy in one view: what's covered, what overlaps, what's missing, what it costs — with honest confidence on each finding.
We become your broker, fix what needs fixing at the right moment, and keep the portfolio matched to the business.
The day someone asks you to prove you're covered, and the day something goes wrong. Both are handled by email and hold music today.
A certificate of insurance is one page proving your cover is active — and no contract, landlord or job site moves without one. Around 400 million are issued in the US every year.
Today: you email your broker, then wait, while a client holds up your contract.
With us: your certificate exists from the moment you're bound. Download it, or send it straight to whoever asked — in seconds, at 11pm, without asking anyone.
A claim is the only moment insurance is real — and the moment most people discover they're on their own with a policy they've never read.
Today: you guess which number to call, then argue about what your policy says.
With us: you get told what your policy actually covers for this event, what to expect, and exactly where to file — before you make the call.
The moments that change your risk are exactly the moments nobody calls their insurance agent.
actually.insure is an AI-native insurance broker for small business. It reads your business, compares the whole market without commission bias, and keeps your coverage current as the business changes — for a flat fee.
Broker advice was never free. A commission of roughly 10–20% of your premium is already built into what you pay, and it grows as your premium does. A flat fee means our answer is the same whether the right policy for you is the cheap one or the expensive one.
No. We start from what you already hold. Most of what we find first isn't about switching at all — entity names that don't match your registration, misaligned renewal dates, duplicate property cover, a line you've grown into. Fixing those costs you nothing.
Then we say so — including when a finding needs the full policy wording to confirm and we won't guess. An honest "your coverage is fine" is what a broker with no commission at stake can afford to say.
Immediately, and without asking us. Every client's certificate is generated the moment coverage is bound and stays current — so when a client, landlord or general contractor asks for proof, you send it yourself in seconds instead of waiting on a broker's inbox.
We read your policy against what actually happened, tell you plainly what it covers and what to expect, and point you to exactly the right place to file. You're not left guessing which number to call or arguing about wording on your own.
US small and mid-sized businesses holding several policies — liability, property, workers' comp, cyber, commercial auto — bought piecemeal across different carriers and agents over the years.
We're onboarding our first businesses now. Leave your email and we'll reach out when your industry opens up.
One email when we're ready for you. Nothing else.