Last updated: March 30, 2026
BizInsured.ai ("BizInsured") provides AI-powered commercial insurance education, carrier recommendation tools, and agent matching services. BizInsured is NOT an insurance company, insurance broker, or insurance agent (except where specifically licensed). We do not sell, quote, bind, or issue insurance policies.
The information, recommendations, and premium estimates provided by BizInsured are for educational and informational purposes only. They are NOT insurance quotes and should not be relied upon as such. Premium estimates are directional ranges based on public rate filings and industry data. Actual premiums will vary based on your specific underwriting details. Always consult with a licensed insurance agent or broker before making insurance decisions.
BizInsured provides estimated premium ranges based on publicly available rate filing data, industry benchmarks, and statistical models. These estimates:
Carrier recommendations are based on publicly available data including carrier appetite guides, AM Best ratings, NAIC complaint data, and filed rate information. Recommendations do not constitute an endorsement of any carrier. Carrier availability and appetite may change without notice.
When you request to connect with an agent, BizInsured matches you with a licensed independent insurance agent based on your location, business type, and coverage needs. BizInsured may receive referral fees from partner agents. The agent relationship is between you and the agent; BizInsured is not a party to any insurance transaction.
You agree to provide accurate information about your business when using BizInsured tools. Inaccurate information may result in inappropriate recommendations. You acknowledge that insurance decisions should be made in consultation with a licensed professional.
BizInsured provides its services "as is" without warranty of any kind. We are not liable for any damages arising from reliance on our recommendations or estimates, decisions made based on our information, actions or omissions of referred insurance agents, or coverage gaps resulting from information provided through our tools.
The BizInsured recommendation engine, scoring algorithms, and related technology are proprietary. You may not reverse-engineer, scrape, or reproduce our tools or data without written permission.
We reserve the right to modify these terms at any time. Continued use of BizInsured after changes constitutes acceptance of the updated terms.
These terms are governed by the laws of the State of Ohio. Any disputes shall be resolved in the courts of Franklin County, Ohio.
Questions about these terms? Email [email protected].