Congratulations on getting appointed!

We are thrilled to have you as part of the team. Which of your client’s lives will you change today? Submit for your first quote by following these simple steps. As always, we’re on the journey with you and available to chat.
We aim to get you a quote within 24 hours. Here’s what we’ll need:
Copy of the most recent Accord Application
Five-year history of loss runs
Complete experience MOD worksheet
OSHA 300 and OSHA 300A logs
Upload files

We’re on a journey to make occupational insurance work for insureds and agents. Let’s set up time to chat through how this new way of working will benefit you.

Choose a time that works for you
Book a meeting
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Time to shake up occupational insurance

Join us as we reshape insurance around the people it's supposed to protect. Drawing on proprietary data modeling, we have recalibrated risk and rate for workers' comp premiums based on a company’s true safety profile, not industry perceptions.
Thank you! Your submission has been received!
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Our underwriting model is a new opportunity to embolden your partnerships with clients.
Get appointed.

Once you're appointed, you can prospect in industries that have been falsely saddled with high prices due to the perception of risk. You’ll be able to reward out-performing accounts on your books and help underperformers become safer and reap benefits. The process is quick and easy. You’ll be all set to write business within a day of completing these simple steps.
1

Step 1

Sign the Agency Agreement

After reviewing the agreement, countersign with Docusign and you’re 
all set.

Sign Agreement
2

Step 2

Upload these three documents

  • Current Agency W9 form
  • Most recent E&O declaration
  • Most recent Agency Licensure
Upload files
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Got questions? Set up time to chat to one of our team members.

Elevate your conversation by using our data to back you up: Why should your clients continue to subsidize unsafe companies through a high worker's comp premium when our safety data proves they outperform the industry?

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Choose fact
over fiction

SafeTier™, our exclusive new underwriting tool, was built to strengthen agent-client relationships by tipping the scales in favor of safe companies. The obvious first step to transforming occupational insurance.

Try out the tool
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Get appointed and open new opportunities to write industrial class business

Data-driven underwriting That boosts agency growth

Forget restrictions around height, radius or 1099s. We replace subjectivity with data so you can confidently write business for any industry.

Quick and seamless quoting process

You’ll have a transparent quote showing why a price is what it is within hours, not weeks. In some cases, our quotes have come in 30% lower than current premiums.

On-demand safety pros to help your clients become safer

We provide your clients with personalized training and safety recommendations from EHS and OSHA experts to strengthen their culture of safety.
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I want to know more

Badlands Tank Lines

OMAHA,NEBRASKA

Insurate saved Badlands $173,744 on workers’ comp insurance.

View case study

These people love having us on their side. You will too.

Mike Betzold, CEO

Better Living

"If you're identified as a Safe-Tier™ business - take the meeting. You'll know in the first 30 seconds that this is an entirely different level of specialty insurance expertise... you'll save money and get an education in work comp."

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Jenny Voss, Admin

Peak Contracting Group

"Most insurance companies don’t understand the type of work we do. Working with Insurate not only reduced our expenses, but more importantly allowed us to grow our company without restrictions.”

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Kelley Dunne, CEO

Novation Networks

“By understanding our company differently through data, Insurate was able to provide $130k in annual insurance savings to our company by accurately aligning our premium with the actual work we safely perform.”

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Roger Johnson, CEO

Badlands Tank Lines

"Insurate allowed us to significantly lower our cost of risk by recognizing our dedication and commitment to safety. The saving of over $170,000 per year allowed us to reinvest into our growing company.”

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Find out how your business can benefit from this revolution in occupational insurance

For companies

Get fair premiums based on how safe you are – not industry averages.
I'm a company

For carriers

Minimize loss and reduce exposure to risk with our proprietary risk scoring.
I'm a carrier

Insurate was started by an agent who understood the unfairness in workers' comp offerings. Join us and unlock a new way to build client relationships.

Let's chat
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Our Partners

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Key Risk logo
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Latest news

November 9, 2021

Insurate Founder and CEO Joe McIlhon interviewed at InsureTech Connect about the future of workers’ comp insurance.

Read more
October 4, 2021

We accelerate our mission to rebuild workers' comp with strategic investment led by HSCM Ventures

Read more
August 30, 2021

Yellowbird and Insurate launch field loss control partnership

Read more
August 17, 2021

Our mission to rebuild workers' comp

Read more
June 27, 2021

Insurate admitted to AmTrust Wholesale VIP Program

Read more
June 13, 2021

Insurate announces illness and accident protection for America’s workforce

Read more
November 22, 2020

Insurate partners with Liberty Mutual as an MGA & TPA

Read more
July 20, 2020

Insurate builds Marketing and CMO hire

Read more
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Common questions

For personalized assistance,call us at (848) 467-8728call us at 1-848-INSURAT
What's the difference between Insurate’s workers' comp coverage and traditional workers' comp?
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We bring the same coverage as traditional workers’ comp, just different pricing.
Is Insurate guaranteed issue workers' comp?
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No, we provide coverage only to safe companies.
How is my STI score calculated and can it change?
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Our Safe-Tier is a blend of OSHA history & statistics and claims history. We also use a predictive score based on location and incident likelihood.
How is Insurate’s process different from traditional workers' comp?
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We look at each customer holistically and give fair pricing based on how that customer conducts their business, not what business they do.
What carriers does Insurate work with and what are their ratings?
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We work with a host of national carriers such as Key Risk, AmTrust, and others.
Is Insurate an insurance company?
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We’re a different type of wholesaler that works directly with our underwriters to develop quotes that are exclusive to Insurate.
Can I buy directly through Insurate or do I need to work with my agent?
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We value the consultative nature of agents and sell directly through them.
I'm an agent and want to offer Insurate to my clients, what do I need to do?
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You simply need to get appointed. For more details click here.
Why is my Insurate premium so much lower than my existing workers' comp premium?
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Our STI score is based on transparent data about how safe your business operates. This score helps inform your fairly priced premium.
What states is Insurate available in?
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Alabama
Arizona
Arkansas
Colorado
Connecticut
Delaware
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
Oklahoma
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
West Virginia
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.
How does Insurate verify its savings claim?
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We’ve analyzed nearly 13.1 million companies and have several case studies that can be seen here.
What size does my company need to be to use Insurate?
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You just need 20 or more employees and have operated for at least 3 years. 
Is Insurate a public or privately owned company?
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We’re a privately held company.
How long has Insurate been around?
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We were established in 2019 with our founders having over 20 years of insurance experience.
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.