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Business insurance, shopped for you.

Tell us what your business does. We compare carriers and explain what you are buying.

We shop the market for you, no broker fees

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How it works

  1. 10 minute form

    A few questions about your business or home.

  2. We shop the market

    We compare carriers and read the forms line by line.

  3. Pick the best policy

    We explain what is covered, what is not, and what it costs.

Text us. We're by your side.

13:19
506

Menlo Agent

  1. Today, 9:41 AM
  2. Our lease for a second location starts September 1. Does our current policy cover it?
  3. Not automatically. Send me the address, square footage, operations, contents value, and move in date. I will ask the carrier to add it before you take possession.
  4. Sending the lease details now.

  5. Received. The location was added effective September 1. Your updated policy is ready.

    View updated policy

    menloinsurance.com

Explore our hard-to-place business insurance products.

We place the hard to place

We know the exposures behind your line of work. We place excess and surplus coverage with no broker fees.

Questions we get asked

The longer answers, with the form numbers, live in the Library.

What does an independent broker actually do?

We work for you, not for a carrier. We take one set of answers about your business, shop it across the markets we are appointed with, and bring the options back side by side. We also read the forms, so you learn about an exclusion before you buy rather than at claim time.

Do you charge me a fee?

No. We are paid a commission by the carrier that writes the policy, and that commission is built into the premium whether you use a broker or not. If a placement ever requires a broker fee, you see the amount in writing before anything is bound.

What if my business has already been declined?

That is the normal starting point for surplus lines. When a standard carrier will not write a risk, we take it to the excess and surplus market, which is priced and worded for exactly that situation. Tell us why you were declined and we will tell you honestly whether we can place it.

How do I get a certificate of insurance?

Ask us once the policy is bound and we issue it. If a job, a landlord or a general contractor needs specific wording or an additional insured endorsement, send us the contract language and we will match the endorsement to what the contract demands.

Let's get you covered.

Start online or call. Either way you talk to a licensed broker.