# Commercial risks prepared once and placed with confidence

Run an adaptive risk interview, let documents fill in the answers for you to confirm, and match each risk to the right markets. Renewals, certificates, claims and agency accounting live in the same workbench.

## An adaptive risk interview
The risk interview asks only the questions a business needs. Answer one question and the next set adjusts to the trade, the size of the business and what is already known. Missing or stale answers are flagged before the risk goes to market. Confirmed answers are saved, so next year's renewal starts from what is already true instead of a blank form.

## Documents read for you, confirmed by you
Upload the documents a business already has, such as prior policies and loss runs, and they are read automatically. Each item becomes a proposed answer with a link to the page it came from. The agent confirms every item one at a time before it is used. Nothing from a document reaches the file until a person says it is right.

## Appetite matching across 22 trade playbooks
Twenty-two trade playbooks, such as the one for electrical contractors, know what each kind of business needs and which markets want it. Appetite matching compares the confirmed facts with each market's appetite and shows which are a good fit and why. Agents spend time on markets that are likely to say yes, and clients get a clear answer sooner. Each match explains itself, so a new producer learns the market as they work.

## Carrier filing and market intelligence
Carrier filings with state insurance departments show where rates, rules and forms are changing. Market intelligence brings those changes together by state, line and trade, so an agency sees which carriers are growing in a class and which are pulling back. Use it to plan marketing, prepare for renewals and explain market conditions to clients. Every finding links back to the filing it came from, so the agency can show its work.

## Renewal boards that start early
Renewal boards show every account by its expiration date, so work starts months ahead, not days. Each card shows what is confirmed, what is missing and who owns the next step. Prospects are tracked by their current policy's expiration date, so the agency is ready when the window opens. Confirmed answers from last year carry forward, so each renewal starts nearly finished.

## Certificates and claims diaries
Issue certificates of insurance from the policy record, with each request and its holder kept on file. Repeat holders are remembered, so the next certificate takes moments. Claims diaries track every claim from first notice to close, with follow-up dates, notes and documents in one place. Reminders keep diaries current, so no claim waits on a missed follow-up. Claim notes and calls land in the archive.

## Agency accounting with trust and commissions
Agency accounting keeps journals, trust money, commissions and reconciliations in one ledger. Trust accounts stay separate from operating funds. Commissions are tracked by carrier, producer and policy, and reconciled against statements. Period close follows set steps with approvals at each one, and the general ledger exports to the agency's accounting software. See what the [practice side](/practice) adds, from captured calls to e-signature.

## Try it with the example contractor
Open the electrical-contractor example in the showcase. Change an answer and see which questions follow, then evaluate the risk and save the confirmed answers. Print the evaluation or reopen it later without starting over. Nothing in the example is a real business. [Try the platform](/try?for=commercialinsurance), [talk with us](/contact) about your agency, or review [insurance controls](/regulatory-fit/insurance). For personal protection and income, see [Life & Annuities](/life-annuities).