At a glance
Our primary compensation is carrier commission, included in the premium. Any separate broker fee is disclosed before you agree to buy and is subject to applicable requirements. The contract check is free, with no obligation to place coverage through us.
Carrier commission
Carriers generally pay an agency a commission for placing and servicing insurance. This compensation is included in the premium rather than invoiced as a separate commission charge to you. Rates and arrangements vary by carrier and coverage. Ask us if you would like more information about compensation on a quote.
Broker fees
Where a separate broker fee applies, we disclose it before purchase and obtain the agreement required for that placement. Fees depend on the transaction and applicable state requirements. No general statement on this page replaces your quote, fee agreement or required disclosures.
Taxes and state fees
Surplus lines policies may include taxes and other charges that are separate from broker compensation. We identify applicable charges so you can compare the total cost, not just the quoted premium.
The free contract check
There is no charge or obligation to buy for the contract check. We compare the insurance requirements you provide with your current coverage, if any, and outline questions and next steps. An initial written review is provided within one business day after the necessary information is received; carrier quotes and changes to a policy may take longer.
Have a question about costs?
Call 888.898.6378 or use Get Quotes. Agency details are on the licensing page. For buying-channel differences, see broker vs. online platform.
A few more answers
Frequently asked questions
Does StartupInsurance.ai charge for the contract check?
No. The contract check is free and does not obligate you to buy a policy. An initial written review follows within one business day after we receive the information needed for the check.
How should I compare quotes?
Compare coverage, exclusions, limits, retentions and the total cost—not premium alone. Ask us about any compensation or fee you do not understand before deciding.
Will I see taxes and fees before I buy?
Yes. We show the premium and applicable taxes and fees before you commit. The quote and any fee agreement explain the charges for your particular placement.
General information, not a coverage determination. Policy wording, carrier, state, and your company’s operations determine what applies.