Required for identity verification on your policy.
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Your phone number
Legal business name and DBA
Ex: Joan Smith DBA Joanie's Repairs. Will appear on policy.
The legal name is your business's incorporation name, or your legal name if the business is just you. DBA is the name you use to market your business.
Federal Employer Identification Number
Your FEIN is required to bind coverage for all policy types.
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Your 9-digit federal tax ID issued by the IRS. Format: 12-3456789. If you do not have a FEIN, a licensed agent will discuss acceptable identification requirements.
Primary Location Address
This is the main location your business operates in.
Is your mailing address the same as your business address?
Mailing address
About your ownership structure
What best describes your business's ownership structure?
What year did you start your business?
About your locations
Does your business have any permanent office locations outside of your primary state? Not including home-based locations, projects or job sites.
About your business
Include payroll for all cash workers and 1099 contractors.
About your subcontractors
Do you want to include subcontractor coverage in your policy?
About your business
Don't include owners or subcontractors.
About your business
Do the activities of your subcontractors include: Blasting operations · Man hole work · Work on traffic lights?
About your subcontractors
Do you accept the following requirements of this policy?
Any subcontractors you work with must carry coverage with limits greater than or equal to your own
You must obtain and store a certificate of insurance from each of your subcontractors listing you as an additional insured on their policy
In case of a claim related to your subcontractor, you will not be covered without this documentation
Your subcontractors must have all required licenses before performing work
About your insurance
Have there been any insurance claims filed by or against your business in the past three years?
About your work
Has your commercial insurance coverage been canceled, revoked, or non-renewed in the last 3 years?
Has your business, or any of its officers, owners, or partners:
Been convicted of a felony in the past 5 years?
Declared bankruptcy in the past 3 years?
Had business-related lawsuits, mediations, or arbitrations filed against them?
Become aware of any losses, accidents, or circumstances that might give rise to a claim against this policy?
When would you like your coverage to start?
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About your insurance
Would you like to include Umbrella/Excess Liability coverage?
Umbrella/Excess Liability coverage extends the limit of your General Liability coverage.
How much Umbrella/Excess Liability limit?
About your business
My business is located in:
About your primary location
About your services
About your business property
What is your estimate for the total cost to replace your business property, including existing and planned improvements?
Tools and equipment value
What's the estimated cost to replace all tools and equipment at your business?
Federal Employer Identification Number (FEIN)
Needed to issue a Workers' Compensation policy.
Employer's Liability Limits
Each Claim / Policy Limit / Each Employee
Deductible
Would you like a waiver of subrogation?
Detailed description of operations
Building coverage limit
If you own the building, what limit would you like? Leave blank if you lease/rent.
Business Personal Property limit
Total value of inventory, furniture, equipment, and electronics at your location.
General Liability limits preference
Property deductible preference
BOP endorsements
Add any optional coverages to your Business Owner's Policy.
Customer foot traffic
What sensitive data do you collect?
Select all that apply.
How many records do you store?
E-commerce activity
What percentage of your revenue comes from online/e-commerce?
Security controls in place
Check all that currently apply to your business. These affect your rate and eligibility.
M365 / SharePoint backup frequency
How often are backups performed to SharePoint or other backup destinations?
Where is your sensitive data stored?
Do you use a third-party IT provider or Managed Service Provider (MSP)?
Do employees access company systems via remote access or VPN?
Do employees use personal devices for work (BYOD)?
Do you store, process, or transmit data internationally?
Payment processing method
Have you experienced a cyber incident or data breach in the last 5 years?
Do you currently have cyber insurance?
Have you ever been declined, or had a cyber policy cancelled or non-renewed?
Desired cyber liability limit
Retention / deductible preference
First-party coverages
These protect your business directly. Select all you'd like quoted.
Third-party coverages
These protect you against claims from others. Select all you'd like quoted.
Review & sign
Acknowledge the terms and sign to submit your quote request.
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Look good?
Check your answers. Click Edit on any section to fix.
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You're all set!
Your quote request has been received. A licensed OnePoint agent will reach out within one business day.
Required for identity verification on your policy.
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Your phone number
Business identity
This appears on your policy and binding documents.
The legal name is your business's incorporation name, or your legal name if the business is just you. Doing Business As (DBA) is the name you use to market your business.
Primary Location Address
This is the main location your business operates in.
Is your mailing address the same as your business address?
Mailing address
About your ownership structure
What best describes your business's ownership structure?
What year did you start your business?
About your locations
Does your business have any permanent office locations outside of your primary state? Not including home-based locations, projects or job sites.
About your team
Describe your operations
A brief description of what your business does — this helps us classify risk accurately.
Financial profile
Used for rating — all figures are estimates.
Excludes owners and subcontractors. Full-time, part-time, and temporary employees.
Insurance history
Tell us about your coverage over the last 3–5 years.
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Loss & claims history
Been convicted of a felony in the past 5 years?
Declared bankruptcy in the past 3 years?
Had business-related lawsuits, mediations, or arbitrations filed against them?
Become aware of any losses, accidents, or circumstances that might give rise to a claim?
If claims exist, carriers will require 3–5 years of loss runs directly from prior carriers. Your agent will help request them.
When would you like coverage to start?
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Safety & compliance
Check all that your operation has in place — these often earn credit.
Tell us about your commercial vehicles
Example: "Local delivery of HVAC parts within 50-mile radius"
About your garage operation
Revenue breakdown
Approximate annual revenue by operation. Totals help us classify correctly.
About the premises
Customer & vehicle exposure
Trucking authority
Required for for-hire and most interstate operations.
Filing requirements
Required proof of insurance filings for trucking operations.
About you (for auto rating)
Insurers use this to quote the owner as a driver.
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Vehicle details
Add each vehicle you'd like covered. You can add more later with your agent.
Driver information
Add everyone who will drive company vehicles, including owners and employees.
Driving history
Across all drivers on the policy.
Commodities hauled
Routes & territory
Garagekeepers coverage
Covers damage to customer vehicles in your care, custody, and control. This is critical for garage operations.
Dealership specifics
Additional detail needed for dealership operations.
Current auto insurance
Additional requirements
Clients, lienholders, or other parties who need to be named on your policy.
Liability coverage
Deductibles & additional coverage
Trucking-specific coverages
Common add-on coverages for trucking operations.
Optional coverages
Select any you'd like quoted alongside.
Communication preferences
How would you like to receive policy documents?
Review & sign
Acknowledge the terms and sign to submit your quote request. Your agent will verify details before binding coverage.
—
Look good?
Check your answers. Click Edit on any section to fix.
Submitting your quote…
Please don't close this window.
You're all set!
Your quote request has been received. A licensed OnePoint agent will reach out within one business day.