# Commercial risks prepared once and placed with confidence

Run an adaptive risk interview. Let documents fill in the answers for you to confirm. Then 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 and the next set adjusts. It follows the trade, the size of the business and what is known. Missing or stale answers are flagged before the risk goes to market. Confirmed answers are saved. Next year's renewal starts from what is true, not a blank form.

## Documents read for you, confirmed by you
Upload the documents a business already has, such as prior policies and loss runs. They are read for you. Each item becomes a draft answer with a link to its page. The agent confirms each 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. They know which markets want it. Appetite matching compares the confirmed facts with each market's appetite. It shows which markets fit and why. Agents work the markets likely to say yes. Clients get a clear answer sooner. Each match explains itself. A new producer learns the market on the job.

## 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. An agency sees which carriers grow in a class and which pull back. Use it to plan marketing and get ready for renewals. Use it to explain the market to clients. Each finding links back to its filing. The agency can show its work.

## Renewal boards that start early
Renewal boards show every account by its expiration date. 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 the date their current policy ends. The agency is ready when the window opens. Confirmed answers from last year carry forward. Each renewal starts nearly finished.

## Certificates and claims diaries
Issue certificates of insurance from the policy record. Each request and its holder stay on file. Repeat holders are remembered. The next one takes moments. Claims diaries track each claim from first notice to close. Dates, notes and documents sit in one place. Reminders keep diaries current. 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 apart from operating funds. Commissions are tracked by carrier, producer and policy. They are checked against statements. Period close follows set steps. Each step has approvals. 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 it 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).