What is actually.insure?
actually.insure is an insurance review platform for small businesses. We read the policies you already hold and show you what's covered, what overlaps, what's missing and where you may be overpaying. We are not a broker and we don't sell insurance.
Is it really free?
Yes. The checkup is free right now: no card and no trial period. If we ever start charging, we'll tell you the terms and the price clearly before you pay anything.
If you're not a broker, who helps me act on the findings?
You decide. You can fix things yourself or take the report to your current broker. You can also ask us to bring in one of our partner brokers. They're experienced commercial brokers who help with the checkup and, if you ask, can help you get better coverage or a lower price.
How are the partner brokers paid?
If you buy coverage through one of our partner brokers, they're paid the standard commission from the insurance company, like any broker. We tell you this before you decide. Today, actually.insure receives nothing from partner brokers, and you never have to use them.
I don't have insurance yet. Can you help?
Yes. We show you the coverage a business like yours typically carries, and which of it is required by law or by your contracts. When you're ready to buy, we can introduce you to a licensed broker. The checklist is information, and the broker helps you choose and buy.
Do I have to replace my current policies?
No. We start from what you already have. Many findings don't involve switching at all: a business name that doesn't match your registration, renewal dates that don't line up, property covered twice, a gap you've grown into. Nothing changes unless you decide it should.
What if there's nothing to improve?
Then we tell you we didn't find anything to flag. If a finding needs the full policy wording to confirm, we say so instead of guessing. Our report is information, not a guarantee of what your insurer will pay.
Can you keep watching my coverage after the checkup?
Yes, if you ask. Ongoing monitoring means we re-check your coverage when your business changes and before renewals. We set it up case by case, so talk to us and we'll figure out what makes sense for you.
What happens if I have a claim?
Contact your insurer or your broker straight away. We can point you to the claims contact listed on your policy. We don't handle claims, and only your insurer decides what a claim covers.
Who is it for?
US small and mid-sized businesses with several policies, such as liability, property, workers' comp, cyber and commercial auto, bought over the years from different insurers and agents.
