Your business changes every month. Your policy doesn't. Our AI agents watch every day and flag a gap the moment it opens.
Every change is a new risk nobody added to the policy.
5 changes
0 updates
Still the one from day one.
Illustrative exampleA typical restaurant, 14 months after buying its policy. 77% of US small businesses are underinsured (Hiscox, 2025).
We tell you, in plain language, what's covered, what's too low and what's missing.
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| What matters | The traditional way | actually.insure |
|---|---|---|
 Speed | WeeksForms, email threads and chased signatures | MinutesAgents handle the paperwork |
 Fit | A standard packageBuilt from a short questionnaire | Built around your businessBased on what you actually do today |
 Cost | Three or four quotesFrom the insurers a broker always calls | Every insurer that fitsCompared side by side, exclusions included |
 Peace of mind | Checked at renewalGaps found at claim time | Checked every dayGaps flagged before a claim |
Quotes, terms and price depend on the insurer. Coverage is placed by licensed partner brokers.
A liquor license, online ordering, catering or a second site can each open a gap.
Restaurant insurance →
New trades, new crews and GC contracts that ask for more than the policy gives.
Subcontractor insurance →
Every new truck, driver and lane changes what the policy needs to cover.
Fleet insurance →actually.insure is an AI-native commercial insurance platform for small businesses. A living risk graph keeps track of how your business is changing, and a team of AI agents does the work around your coverage: reading policies, mapping risks, comparing quotes and flagging gaps before they cost you.
Yes. There's no card and no trial period. If you decide to buy or change coverage, the licensed broker who places it is paid the standard commission by the insurer, and we tell you that before you decide.
No. actually.insure is a technology platform, not an insurance broker, agent or insurer. When coverage needs to be quoted, bound or changed, that is done by independent licensed insurance brokers we work with.
We start from public records such as permits, licenses, court records, safety and fleet filings, reviews and your website. Systems like payroll, accounting or point of sale are connected only if you choose to connect them.
No. We start from what you already have. Many gaps are closed by adding an endorsement or raising a limit, and nothing changes unless you decide it should.
Report it to your insurer straight away. We help you find the claims contact on your policy and keep the paperwork moving. Only your insurer decides what a claim covers.
Enter your work email to start your free gap audit. You don't need a card or a sales call.