BOP, workers comp and commercial auto — quoted across Hartford, Next, Coterie, Hiscox, Pie and more in parallel. Describe the business once; the fleet handles the class-code archaeology.
The Coverages.
Business Owners Policy
General liability plus your property — contents, equipment, tenant improvements — in one policy with one premium.
Workers Compensation
Statutory coverage the state requires the day you hire employee #1, with pay-as-you-go options that track real payroll.
Commercial Auto
Work trucks, delivery vans, the fleet — with hired & non-owned coverage for employees driving their own cars on your errands.
Business Interruption
The BOP's quiet hero: covered damage closes the shop, and the lost income is covered while you rebuild.
Professional Liability
Advice-based businesses need E&O on top of the BOP — we quote it alongside.
Cyber
Breach response, ransomware, funds-transfer fraud. Small businesses are the soft target now.
Class codes decide everything
Commercial pricing starts with what the business actually does — a bakery and a bakery with delivery drivers are different risks with different carriers. Describe operations plainly in the intake; the fleet maps it to the right codes.
Certificates in minutes
Landlords and clients will demand certificates of insurance forever. Once you're bound through Pearl, certificates are self-serve — no calling an agency and waiting two days.
When you outgrow the BOP
Multiple locations, heavy autos, payrolls past seven figures — at some point you graduate to a package policy. Our commercial desk flags it before it's a problem.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"BOP, comp and the van, quoted while I ran the lunch rush. My COI for the landlord took four minutes."
— L. Romero, Denver — verified orderWhat The Fleet
Checks.
Class-Code Mapping
Your plain-English description becomes the right classification codes — the step where amateur quotes go wrong and audits are born.
Payroll & Revenue Structuring
Exposures quoted consistently so the comparison is honest and the audit is boring.
Appetite Routing
Hartford wants some shops, Next wants others, Coterie writes what both decline — the fleet knows who wants you before it asks.
Certificate Prep
COI issuance is set up at bind so your landlord's demand takes minutes, forever.
The Discounts
That Matter.
Bundled BOP
Liability and property in one policy beats two monolines nearly every time.
Pay-As-You-Go Comp
Premium tracks actual payroll — no year-end audit surprises, no financed deposit.
Claims-Free Operations
Clean loss runs are the biggest lever in commercial pricing — safety pays literally.
Association & Franchise
Trade-group and franchise programs carry negotiated rates at several carriers.
The Vocabulary.
What does a BOP cost?
Main-street risks commonly land between $60 and $150 a month depending on payroll, property and operations. The comparison table makes the spread visible.
I'm a sole proprietor — do I need workers comp?
Rules vary by state and by what your clients' contracts demand. Many sole props carry a ghost policy purely to satisfy contracts — we quote those too.
Can you handle an LLC that owns rental properties?
Yes — that's landlord coverage written to the entity, plus an umbrella if the portfolio justifies it.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.