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A real commercial quote is built from a clear description of operations, your exposure numbers (payroll by state and class, revenue, vehicle and driver lists, property values), your current policies' declarations pages, three to five years of loss runs from your current carriers, and the limits your contracts require. The quality of this submission largely determines the quality of the quotes, because underwriters price uncertainty against you when the file is thin.
Underwriters quote what they can see. A complete, organized submission reads as a well-run business and earns sharper pricing and broader terms; a thin one forces conservative assumptions, higher rates, more exclusions, or a pass. The same business, presented two ways, routinely receives materially different quotes. This is why the preparation phase is not administrative overhead before the real work: it is the work, and it is most of the difference between agencies that win terms and agencies that forward emails.
Loss runs are the carrier-issued history of your claims, and underwriters will not quote meaningful business without them. You are entitled to them on request from your current carriers, and most states require delivery within ten to thirty days. Request them early: they arrive on the current agent's timeline and can become the bottleneck of an otherwise ready submission. Clean loss runs are an asset worth presenting proudly; problematic ones are better explained proactively, with the story of what changed, than discovered silently by an underwriter.
The traditional intake is a stack of forms asking you to retype what your documents already say. ARIA inverts it: a sixty-second conversation establishes who you are and what you do, your uploaded declarations pages and loss runs are read directly, with every figure extracted and checked, and the gaps worth asking about become the conversation instead of the paperwork. The output is a complete submission matched against the carriers whose appetite actually fits your class, your size, and your state, with Ryan reviewing and signing everything before any market sees it.
Simple package business can quote in days. Mid-market programs run two to six weeks depending on lines and market conditions, which is why starting 60 to 90 days before renewal is the standing advice. The submission's completeness is the biggest schedule variable you control.
No. Requesting loss runs and seeking quotes neither notifies a cancellation nor changes your policies. Your current coverage runs until you actively replace or cancel it.
Sixty seconds of questions, or upload your current policies. ARIA shows what it finds, cited to the page, with no obligation attached.
Nothing binds until a licensed Risk Strategist signs the placement
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