Commercial Division
Bindable small commercial in minutes
Instant-quote small commercial markets for BOP, general liability, professional and package accounts. Agents quote, bind and issue online without waiting on an underwriter.
What we write
Usually handled elsewhere
Pathways
Every INVO division supports at least one clear path to a quote.
Rate and bind eligible small commercial risks directly with our digital carrier panel.
Find a MarketAccounts outside digital eligibility are routed to the commercial team for manual review.
Submit to an UnderwriterMarkets
Live carrier appetite records routed to this division.
AL, AR, AZ, CO, CT, DE +36
Admitted General Liability market for micro to small businesses with broad class appetite.
Important
AL, AZ, CA, CO, CT, FL +26
Small commercial digital market for BOP, Commercial Auto, GL, PL, and WC. Commercial Auto uses its own state list.
Important
AL, AR, AZ, CA, CO, CT +42
USLI digital/submit access for eligible small commercial and personal lines, including Excess Liability.
AK, AL, AR, AZ, CA, CO +44
Small business market for BOP, General Liability, and Professional Liability.
AK, AL, AR, AZ, CO, CT +38
Small commercial digital market for BOP, General Liability, Inland Marine, Professional Liability, and Umbrella/Excess.
AL, AR, AZ, CA, CO, CT +37
Small business digital market for BOP, Cyber, General Liability, and Professional Liability.
Submission requirements
Complete submissions are quoted first. Missing documents are the most common cause of delay.
Typical response time: 24 business hours.
Questions
The questions agents ask most before sending an account.
Still unsure? Ask an underwriter.
Other divisions
Each division owns its classes end to end.
Quote eligible commercial accounts online
Direct quote and submission links for personal lines
Explore divisionTrucking, fleet, cargo, auto and related products
Explore divisionSubmit workers' compensation accounts for review
Explore divisionCasualty lines for specialty risks and classes
Explore divisionStaffing, PEO, WC, GL/PL and related coverages
Explore division
