Tivly is a business insurance marketplace that connects small business owners with insurance providers based on their coverage needs. I recommend it for owners who need help deciding where to apply, particularly when their business requires specialized coverage or they’ve had difficulty finding an insurer willing to cover their operations.
Its network includes more than 450 insurance partners and provides access to common business policies, including general liability, professional liability, and commercial property insurance. You can begin online or by phone, but the matched provider supplies your quote and policy. That makes Tivly useful for finding a provider, although it adds a handoff for owners who would prefer to complete the purchase themselves.
Tivly Overview
Tivly has operated since 2009, serving businesses ranging from sole proprietors to companies with 50 or more employees. The licensed agency was previously known as CommercialInsurance.net and reports that more than 2.5 million businesses have used its platform to seek insurance coverage.
Standout features
- Network of more than 450 insurance partners
- Assistance for businesses with specialized or difficult-to-place risks
- Same-day proof of insurance may be available through a matched provider
Pros & cons
Pros | Cons |
|---|---|
| Free service for finding an insurance provider | Quotes require working with a matched provider |
| Access to specialty insurance markets | No standard premiums for comparing prices upfront |
| Live assistance available on Saturdays | Policy terms and service arrangements vary by partner |
Average annual pricing
- General liability requires an individual quote
- Professional liability requires an individual quote
- A business owner’s policy requires an individual quote
- Cyber liability requires an individual quote
| Tivly’s current business insurance cost page doesn’t publish standard annual premiums. Its matching service is free, while policy pricing comes from the insurance partner. |
|---|
- You’ve had difficulty finding coverage. Tivly’s access to specialty markets makes it worth considering when other providers haven’t been willing to insure your business. It may help identify another place to apply, although acceptance still depends on the provider.
- You’re unsure which provider to approach. Its matching service uses information about your operations to connect you with a potential insurance partner. This can be helpful if you’re starting your search without a preferred insurer.
- You need coverage beyond basic liability. Tivly lists commercial auto, cyber liability, commercial umbrella, and other insurance solutions. An owner with several business exposures can use the matching process to discuss those needs.
- You prefer explaining your business to someone. Phone assistance gives you an opportunity to discuss details that may be difficult to communicate through a standard application. Saturday availability also gives owners another time to begin their search.
- You want to apply directly to an insurer. Hiscox may be worth considering if you already know which coverage you need and prefer approaching a small business carrier directly.
- You’re interested in a business owner’s policy from a specific carrier. The Hartford is another option to consider for combined liability and property coverage, along with other commercial policies.
- You prefer an online brokerage application. Simply Business uses an online underwriting model and works with multiple insurers, making it another option for owners who prefer that application process.
Tivly policies & coverage
Tivly’s coverage selection is one reason I’d consider it for a business with several insurance needs. Its listed solutions include the common policies small businesses often seek, along with options for more specific exposures:
- General liability
- Professional liability, also called errors and omissions insurance
- Commercial property
- Business owner’s policy
- Workers’ compensation
- Cyber liability
- Commercial auto
- Commercial umbrella
- Directors and officers insurance
- Product liability
The policies serve different purposes. General liability may respond to covered third-party injury or property damage claims, while professional liability addresses allegations involving your professional services. A business owner’s policy typically combines liability and property protection, often with business interruption coverage.
That distinction matters when evaluating a quote. A business owner’s policy may provide a useful foundation, but you should confirm whether your professional work, vehicles, or other activities require additional coverage. The availability of a policy category on Tivly’s website doesn’t mean it will be included in your package.
Tivly assists businesses within all 50 states, excluding U.S. territories. However, its nationwide service area shouldn’t be read as a guarantee that every partner offers every policy in every location. Your matched provider will need to confirm eligibility and the available terms.
Tivly cost
Tivly’s matching service is free. The insurance policy itself carries a premium determined by the provider, so using Tivly doesn’t establish a fixed price or guarantee a cheaper policy.
Your business activities affect the quote, as do factors such as employee count, payroll, location, and claims history. Coverage limits and deductibles also influence what you’ll pay. Two businesses in the same industry can receive different prices once the provider evaluates their operations.
I’d compare a quote obtained through Tivly with another suitable offer when possible. Review equivalent limits and deductibles rather than choosing solely by the monthly payment. A less expensive policy may leave you responsible for a larger amount after a claim.
If you need liability and property insurance, ask whether an eligible business owner’s policy would cost less than purchasing separate policies. Bundling may provide savings, but the package still needs to cover your business’s exposures.
Tivly policyholder services
Tivly’s main service is helping business owners find an insurance provider. Once you’re considering a policy, clarify which company will handle billing, coverage changes, renewals, and claims.
This is especially important if you need certificates of insurance for clients or landlords. Ask who issues the certificate and whether the policy meets the required limits before purchasing. Tivly’s certificate guide recommends reviewing the insured business name, coverage dates, and limits, then contacting the issuing broker or insurer to verify that the certificate remains valid.
Tivly advertises the possibility of same-day proof of coverage, which can be helpful when documentation is needed before work begins. Confirm the timing with the matched provider rather than assuming every application can be completed that day.
Tivly insurance customer satisfaction
Tivly’s current rating displays a 4.7 out of 5 Google rating and an A+ Better Business Bureau rating on its website.
Its featured customer testimonials describe assistance finding providers and obtaining insurance. Those comments offer some perspective on the matching experience, but they don’t establish how every customer is treated or how a separate insurer handles claims.
I’d evaluate the insurer separately before accepting a quote. A helpful matching experience is valuable, but the company issuing your policy also needs to provide coverage and service that suit your business.
How to get Tivly insurance
You can start through Tivly’s online form or call 877-907-5267. The initial form asks for your business ZIP code and the type of insurance you’re seeking.
Be prepared to provide the following information during the matching process.
- Business name
- Description of your business activities
- Industry
- Contact name
- Email address and business address
After Tivly identifies a match, the insurance partner provides your quote. Use that conversation to explain any unusual operations and the coverage requirements in your client contracts.
Before accepting the offer, confirm the policy’s effective date, limits, and exclusions. If you need proof of coverage by a particular deadline, make that requirement clear early in the conversation.
Tivly alternatives
Provider | Better for | Coverage or application focus | |
|---|---|---|---|
| Hiscox | Business owners who want to approach a small business insurer directly | General liability, professional liability, and other business coverages | Get a quote from Hiscox |
| The Hartford | Businesses looking for a carrier with business owner’s policy options | Liability and property coverage, plus workers’ compensation and commercial auto | Get a quote from The Hartford |
| Simply Business | Owners who prefer an online brokerage application | Online underwriting and access to policies from multiple insurers | Get a quote from Simply Business |
Frequently asked questions (FAQs)
Is Tivly insurance reputable?
Tivly identifies itself as a licensed agency in all states and reports helping businesses find coverage since 2009. It’s a marketplace connecting owners with insurance partners, so you should also evaluate the provider that quotes and issues your policy.
Does Tivly pay claims?
Tivly’s stated role is connecting businesses with insurance providers. Follow the claims instructions in the policy issued by your insurer, and ask your agent who handles claims before purchasing coverage.
What are Tivly’s hours of operation?
Live assistance is available Monday through Friday from 8 a.m. to 10 p.m. Eastern and Saturday from 8 a.m. to 8 p.m. Eastern.
Bottom line
I recommend Tivly for business owners who need help finding an insurer, particularly when specialized risks have made their search difficult. Its broad partner network gives it a useful role in identifying where to apply. Once you receive a quote, compare the policy and price carefully, and confirm who will provide service after the purchase. Owners who already have a preferred insurer may find applying directly more convenient.
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