We do not pick the carriers you get to compete for your account. We market your coverage to every appointment whose appetite matches. Standard, Smart Start, wholesale, E&S, specialty. Through the Smart Choice network. Below is the actual panel, segment by segment.
Three things about the Smart Choice partnership that make the 150+ number real, not theater. ARIA does the appetite matching. Smart Choice does the carrier-relationship heavy-lifting. Ryan signs the bind.
One of the largest commercial & business insurance platforms in the country. 11,150+ active agencies pool their submissions into a single network, which gives every member firm direct access to carriers that would never sign a small independent shop on its own.
One Smart Choice contract opens direct appointments to standard, surplus, and specialty markets. National carriers like Travelers, Chubb, and The Hartford. Wholesale and surplus partners like CRC and RPS. Specialty cyber, D&O, and crop carriers. ARIA routes your submission to whichever ones match your appetite.
Your coverage marketed to every carrier whose appetite fits your class, scale, and concerns. Primary first, excess and specialty where the structure asks for it. The deeper the panel, the more likely a fit exists at the price you want. ARIA shows you the full matrix: fit, conditional, hard pass.
Smart Choice 2025 year-end · independently verified
National, regional, wholesale, and specialty markets. All accessible through one submission, powered by the Smart Choice network of 11,150+ active agencies.
Names the CFO recognizes. Names the lender wants on the cert. Names the GC will accept on a vendor agreement without a phone call. We market your account to every standard whose appetite fits, across the full Smart Choice national panel.
See this segment in fullPre-priced, online-bindable commercial coverage for class-codes that have predictable rate structures. Same Smart Choice appointment network, faster turn. Useful for filling gaps when an account doesn't fit a standard carrier's exact appetite.
See this segment in fullAnything the standard carriers won't touch. Heavy operations, novel exposures, mixed loss history, hard-to-place classes. We route through the Smart Choice Express Markets desk, which aggregates the wholesale, surplus, and specialty markets the standards quietly refer out anyway.
See this segment in fullCarriers built around a single risk class. Used when an account's primary exposure is one specific thing. Flood, classic-auto, art, valuable papers, marine. And you want the underwriter to actually understand it.
See this segment in fullARIA matches every account to every carrier in appetite, across the whole Smart Choice network. Tap a coverage below to re-sort the matrix by appetite strength for that coverage. The full per-account view is generated live when you upload declarations.
| Line of business | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
General Liability GL | ||||||||||
Commercial Property Prop | ||||||||||
Workers' Comp WC | ||||||||||
Commercial Auto Auto | ||||||||||
Cyber + Privacy Cyber | ||||||||||
D&O D&O | ||||||||||
EPLI EPLI | ||||||||||
Umbrella / Excess Umb | ||||||||||
Professional Liability / E&O E&O | ||||||||||
Surety Surety |
Illustrative · per-account matrix generated live by ARIA
ARIA reads your declarations, loss runs, financials, and SOVs. Extracts the structural terms and pre-fills a clean ACORD packet.
Class codes, geography, revenue band, loss history. Matched against the appointment panel in milliseconds. Carriers whose appetite hard-passes are dropped before underwriter time is wasted.
One submission goes out to every carrier still in appetite. You see the live pipeline. Who has it, who's interested, who declined, what they're quoting.
Your Risk Strategist reviews the comp set, negotiates terms, and signs the bind. ARIA never places coverage alone.
Your three biggest gaps, priced against peer accounts, with the exact endorsement language a carrier will accept.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page