What it costs.

What a premium is

A premium is the price of your insurance policy, usually quoted per year. Insurance carriers set it, and they set it through underwriting: a person at the carrier reads your application, sizes up how likely your company is to have a claim and how expensive that claim would be, and prices the policy accordingly. Nobody on our side sets your premium. What we control is what the underwriter sees when they price you.

How we get paid

Nothing on top. Like every insurance broker, we are paid a commission by the carrier out of the premium you were going to pay anyway. That commission is built into a policy’s price whether a broker places it or you buy it directly. Using us does not add a fee, and skipping a broker does not remove one.

In commercial lines that commission typically runs between five and fifteen percent of premium, varying by line and carrier. To make it concrete: on a $10,000 general liability policy, the broker’s share is usually somewhere between $500 and $1,500, paid by the carrier. If you want to know what we earn on your specific placement, ask and we will tell you the number. Most brokers treat that figure as a secret. We think a client who knows what their broker makes trusts the advice more, not less.

The honest version of the conflict

A fair question we hear from founders: if your commission is a percentage of the premium, why would you fight for a lower one? The conflict is real and pretending otherwise would insult you. Here is why it does not run the business. The difference between a well-placed premium and a padded one might change our commission by a few hundred dollars, once. A client who discovers they were overpaying leaves, tells other founders, and takes every renewal with them. Brokerages live on renewals, so the economics of keeping you correctly priced beat the economics of one inflated year every time someone does the arithmetic.

There is also a structural check: we are not the carrier. We hold no premium, pay no claims, and profit nothing from a policy that fails you. When we push a carrier on price or wording, we are spending our leverage on your side of the table, because your renewal is the only asset we keep.

Why placing through us prices well

Underwriters price what they can understand, and they pad what they can’t. A generic application has no field for a supervision model, an operating envelope, or an emergency stop, so an underwriter reading one prices your robot like rented construction equipment. Our application is built for companies putting AI to work in the physical world. It captures the safety case a generalist form never asks about, which gives the underwriter a reason to charge less instead of a reason to hedge.

We also take your file to carriers with real appetite for this class of risk, and we take it to several of them. Specialist markets competing for a complete, well-documented submission is how a good premium happens. One generalist carrier reading a thin application is how a bad one does.

Price is only half of what a premium buys. A cheap policy with an AI exclusion buried in the form can leave you paying premiums for years and finding out at claim time that you were never covered. We read the forms before anything binds, so the number you pay is for coverage that actually responds.

What moves your number

Revenue, what your product does, how close your machines or software get to people and property, the limits your contracts require, your claims history, and how well your safety and AI governance are documented. Early companies with small exposure pay far less than fleets under enterprise contracts. As those factors change, so does the premium, in both directions.

Why there are no prices on this page

Premiums are specific to the company, and published averages mislead more than they help. Any number we printed here would be wrong for you in one direction or the other. The honest way to learn your price is to apply: it takes a few minutes, it costs nothing, and quotes come back from the carriers themselves.