One licensed agent across 50+ carriers and 40+ coverage lines. Renewals, certificates, claims, one call away. IIG, inside VertiSource HR.
Licensed agent leads quoting + placement. Account manager runs renewals + certificates. Claims specialist manages incidents end-to-end.
Four phases. You never call a 1-800 number. You call your agent.
Licensed agent reviews your operations, revenue, payroll, state exposure, prior claims. Scopes the coverage lines you actually need vs. the ones you don't.
Submissions to 50+ carriers across the right lines. Proposals compared side-by-side on coverage limits, deductibles, premium, and carrier strength.
Binder issued, policy documents delivered, certificates of insurance for your customers within 24 hours.
Renewals shopped 60 days out. Claims reported same-day, agent advocates for you through adjuster and settlement.
Questions about the process? Let’s talk →
One licensed agent across every coverage line you need.
GENERAL LIABILITY
Your foundational third-party coverage. Slip-and-fall on your premises, injury from operations, product-defect claims. Shopped against 50+ carriers for rate + coverage balance.
50+Carriers · GL shopped annually
PROPERTY + BI
Buildings, contents, inventory, equipment. Business interruption coverage for the revenue lost while you rebuild. Replacement cost vs. actual cash value scoped to your balance sheet.
ScopedProperty + BI · to your balance sheet
CYBER
Breach response, notification costs, regulatory fines, data-restoration expense (first-party). Plus liability to customers and vendors whose data was exposed (third-party). Scoped to your data footprint.
1st + 3rdParty · breach + liability coverage
COMMERCIAL AUTO
Company vehicles, fleet, hired and non-owned auto (employees driving their own cars on company business). Shopped annually with WC payroll data for matched-risk premium.
Fleet + HNOAFull auto liability · matched to ops
MANAGEMENT LIABILITY
Employment practices liability (wrongful-term, harassment claims). Directors & officers (board decision exposure). Fiduciary (401(k) plan sponsor duties). Professional E&O (your service work).
4 linesEPLI + D&O + fiduciary + E&O
BONDS + PERSONAL
Surety bonds for licenses and construction. Performance bonds for contract work. Key-person life for leadership-dependent firms. Buy-sell funding. Personal lines (home, auto) through one agent.
15+Personal lines · same IIG agent
IIG places over 25 commercial and 15 personal lines through our carrier network. Toggle between commercial and personal to explore every coverage category we offer.
Send us your current policies (or the declarations pages). Your licensed agent audits for gaps, overlaps, and obvious premium savings. On the call.
Payroll drives workers’ comp premium. Employee claims coordinate with HR. Certificates pull from the benefits ledger. One agent, one view.
WC premium shopped annually. Class codes + payroll drive pay-as-you-go premium live.
EPLI + D&O claims route through HR advisor; employment-related exposure handled end-to-end.
Group life + voluntary life + disability coordinate with benefits-admin to keep carrier data aligned.
Want this for your team? Let’s talk →
“We run job sites in Utah, Nevada, and Idaho, and the payroll compliance piece was a mess. VertiSource HR untangled all of it. Our EMR dropped from 1.8 to 0.9 in 18 months, which directly cut our insurance premium. Multi-state payroll is now a non-issue.”
Still have a question? Let’s talk →
Talk to IIG inside VertiSource HR. Business + personal insurance scoped, shopped, placed, and claimed, through one person who answers the phone.
