Fast, Simple Workers’ Comp for Complex California Accounts
Now Accepting Submissions
Insurate provides a competitive Workers’ Comp product for your more complex business accounts. No extra forms. No inspections. No wearables. Just simple submissions and smarter underwriting powered by Insurate Intelligence™ – our proprietary A.I. platform that turns fractured data into instant insights.
Why Choose Insurate
Easy Submissions
Email your ACORDs, current loss runs, and mod sheet to [email protected]. We can accept submissions up to 120 days in advance. No extra forms. No pre-inspections. No collateral deposits. No wearables. No phone apps. No extra paperwork.
Advanced A.I. Technology
Our Insurate Intelligence™ technology combines machine learning and large language models (LLMs) to transform complex data into comparative actionable insights.
Built by Agents, for Agents
Created by retail pros, who understand and have eliminated what slows you down.
Competitive Quotes for Complex Risks
From structural steel to energy, transportation, and heavy construction. We quote what others decline.
"A" Rated Capacity
Every policy is backed by a Fortune 300 carrier partner.
Target Classes
Bridge Builders & Structural Steel Erectors
Street & Road Contractors
Pipeline & Oil and Gas Construction
Hazardous Materials Transport
Tree Service, Window Cleaning & Industrial Maintenance
Manufacturing & Agriculture
Energy, Utilities & Communication Contractors
Minimum premiums start at $25,000, with most of our business focused on complex, high-severity industries where premiums typically exceed $100,000.
Don’t see your class? Send it anyway! We underwrite most class codes.
How We Work
2
Quotes Within a Week
Our underwriting team utilizes Insurate Intelligence™ to deliver fast, competitive terms without a pre-inspection, required wearables, or phone apps.
3
Bind Coverage
Once your quote is approved, get appointed to bind and grow your book with a frictionless partner.
Interested in Getting Started with Insurate?
Fill out our “frictionless” form to get the info you need to quote and start our appointment process.
A.I. Simplified. Quotes Amplified.
Insurate, Inc DBA Insurate Insurance Brokers
CA License #6005917