Independent agency
One application.
Up to 10 competing quotes.
Tell us about your business once. We shop it to a network of 10+ A-rated carriers, then a licensed agent walks you through the options side by side. National-carrier technology. Independent-agency service.
No obligation. Quotes are estimates, not offers of insurance — nothing is bound until a licensed agent confirms it in writing.
Application shopped to
10+ A-rated carriers
Trusted Carrier Partners
Your application is shopped to A-rated carriers including:
All trademarks are property of their respective owners. Carrier availability varies by state and line of business.
How it works
How we get you up to 10 quotes
Most business owners get one quote and no way to judge it. Here is what happens instead when you apply through an independent agency.
Apply once
One online application, about five minutes. You answer each underwriting question a single time instead of repeating yourself to five different websites and three different agents.
We shop 10+ A-rated carriers
Because we are independent, your application goes out to the carriers in our network whose appetite actually fits your class code, state, and loss history — not to whichever company owns the agency.
A licensed agent presents your best options
You get a side-by-side of what came back: premium, limits, deductibles, and the differences that matter. No portal to decode alone, and nothing bound until you say so.
"Up to 10" reflects the carriers in our network with appetite for your class — the number of offers depends on your industry, state, and loss history.
Coverage
Every commercial line, shopped the same way
Select one line or all of them in a single application. We only ask the questions the lines you picked actually require.
Industries
Carrier appetite is industry-specific
Knowing which carriers want your class is most of the job. These are the industries we place most often.
Why Provident
A national-carrier network with an independent agency's judgment
We built the technology so one application reaches many carriers. We kept the licensed agents because software cannot tell you which exclusion will hurt you in year three.
Get up to 10 quotesIndependent means genuinely comparative
A captive agent has one set of rates to offer. We put your application in front of many carriers and let them compete for it — which is where the savings actually come from.
Answers in hours, not weeks
Simple lines are usually quoted the same day. Workers' comp and fleets take a business day or two because a human underwriter reviews them. We tell you which one you're in up front.
We check the coverage, not just the price
The cheapest quote is sometimes the wrong one. We flag class-code errors, missing endorsements, and exclusions that would matter on the day you file a claim.
A named agent, all year
You get a direct line to the person who wrote your policy — for certificates, mid-term changes, renewals, and the first call when something goes wrong.
Client feedback
What owners say after the first shopping round
"We filled out one application and had five real numbers back the next morning. Our old agent took three weeks to bring us one."
"Pay-as-you-go workers' comp fixed a cash flow problem we had been living with for years. No more big deposit every January."
"They caught an exclusion in our professional liability policy that would have left us wide open on our biggest contract."
"Certificates used to take days. Now I email the request and have the COI the same afternoon, which keeps our jobs moving."
Client comments are illustrative examples of the service we provide and are not a guarantee of premium savings or coverage outcomes.
10+
A-rated carriers in our network
1 app
Covers every line you select
< 1 day
Typical turnaround on quotes
9
Commercial lines we place
One application. Up to 10 competing quotes.
Answer a few questions and we will shop your business to our A-rated carrier network. A licensed agent presents the options — usually within one business day.