CommercialCommercial Digital
Bindable small commercial in minutes
Explore division$0 appointment
No fees, no premium minimums
1 business day
Typical appointment turnaround
100+ markets
Admitted and E&S paper
Named underwriter
A real person on every division
Why agents use INVO
Market access, real underwriters, and a straight answer on where an account belongs
One wholesale appointment covers digital quoting and six specialty underwriting divisions.
100+
Carrier markets
Digital and submit markets tagged by state, line and class so you see only what fits.
6
Specialty divisions
Transportation, workers' comp, staffing, specialty, commercial and personal lines.
24/7
Digital quoting
Rate, bind and issue eligible small commercial and personal lines without waiting.
24–48 hrs
Underwriting support
Complete submissions get a response from a specialist who works the class daily.
How it works
Five steps from an account on your desk to a bound policy
The same workflow whether the risk quotes digitally or needs an underwriter.
- 1Step 1
Select the state and line of business
Start with where the risk sits and what coverage it needs. Appetite is filtered by state on the first click, so nothing you see is out of territory.
- Commercial and personal lines
- State-level appetite filtering
- Monopolistic states flagged
- 2Step 2
Enter the class or class code
Type the operation in plain language or drop in a class code. Our matching layer understands trade language, so 'carpentry' and 'carpenter' land in the same place.
- Plain-language class search
- Class code lookup
- Excluded classes screened out
- 3Step 3
Review digital and submit-market matches
Results come back ranked and split into two clear lanes: markets you can quote yourself and markets that go to an INVO underwriter.
- Ranked appetite matches
- Digital vs. submit clearly separated
- Reasons shown for every match
- 4Step 4
Quote directly or submit to the right division
Bind eligible business online through the agent portal, or send the account straight to the division that owns the class with the documents already listed for you.
- Quote and bind online
- Pre-listed submission requirements
- Routed to the correct division
- 5Step 5
Get support from the underwriting team
Unusual exposure, prior losses, or a class nobody wants? Talk to a specialist underwriter who works the class every day.
- Named division contacts
- 24–48 hour response on complete files
- Marketing support for tough accounts
Market access in motion
Your accounts shouldn't wait on a market search.
Transportation, construction, staffing and Main Street business move fast. INVO pairs a searchable market appetite with underwriters who answer — so you can quote the account while it's still on the phone.
Two paths
Quote it digitally, or submit it to an underwriter
Knowing which path an account belongs on is the fastest way to a bound policy.
Quote digitally
Best for straightforward risks inside a carrier's published appetite. You rate, bind and issue online without waiting on anyone.
- Instant indication and bind
- Standard classes and clean loss history
- Available 24/7 through the agent portal
Submit to an underwriter
Best for tougher classes, larger exposures, prior losses, or anything a digital market declines. An INVO underwriter markets it for you.
- E&S and program capacity
- Loss-sensitive and multi-state accounts
- Response in 24–48 business hours
Divisions
Six divisions, one appointment
Each division pairs digital markets with underwriters who specialize in the class.
Commercial
Get appointed
Become an appointed INVO agent
Free appointment, no volume requirements, and access to every division and digital market we offer.
- No premium commitments or minimums
- Same-day access to digital markets
- Full marketplace appetite search
- Named underwriter for every division
Agent results
Agents place accounts faster when they stop guessing
What independent agents say after their first 60 days with an INVO appointment.
“I used to email three wholesalers to find out who'd even look at a sand-and-gravel hauler. Now I search it, see who writes it, and have a quote back the same afternoon.”
Dana R.
Principal, independent agency — Tennessee
Bound in 2 days
“The digital markets alone paid for the appointment in the first month. Small BOPs I used to turn away now rate and bind while the client is still on the phone.”
Marcus T.
Commercial lines producer — Georgia
18 small BOPs in 60 days
“What I value most is being told 'no' quickly and pointed somewhere else. INVO's underwriters actually answer, and that saves me more time than any portal.”
Priya S.
Agency owner — North Carolina
Same-day underwriter reply
“I used to email three wholesalers to find out who'd even look at a sand-and-gravel hauler. Now I search it, see who writes it, and have a quote back the same afternoon.”
Dana R.
Principal, independent agency — Tennessee
Bound in 2 days
“The digital markets alone paid for the appointment in the first month. Small BOPs I used to turn away now rate and bind while the client is still on the phone.”
Marcus T.
Commercial lines producer — Georgia
18 small BOPs in 60 days
“What I value most is being told 'no' quickly and pointed somewhere else. INVO's underwriters actually answer, and that saves me more time than any portal.”
Priya S.
Agency owner — North Carolina
Same-day underwriter reply
Carrier panel
A sample of the carriers inside the INVO marketplace
Digital direct markets and submit-division paper, all reachable through one INVO appointment.
100+ markets across commercial, personal lines, workers' comp, transportation, staffing and specialty.
See the full marketplaceCompare
One appointment versus chasing carriers one at a time
The difference shows up on the accounts you would otherwise have to turn away.
| What you get | With INVO | Chasing it yourself |
|---|---|---|
| One appointment for 100+ markets | Yes | No |
| Searchable, class-level appetite | Yes | No |
| Quote, bind and issue online | Yes | Limited |
| Named underwriter per division | Yes | No |
| Premium or volume minimums | None | Usually required |
| Cost to get appointed | $0 | Varies |
FAQ
Questions agents ask before getting appointed
Everything you need to know about working with INVO — in plain language.
A single wholesale appointment gives you access to every INVO digital market and all six specialty underwriting divisions. There are no volume requirements, minimum premiums, or separate carrier appointments to chase.
Search a market, submit an account, or get appointed today.
Everything runs through one wholesale relationship — no separate carrier appointments to chase and no guessing where an account should go.