Business Insurance
Get the coverage you need without the application paperwork or carrier shuffle.
How it works
Theorem pre-fills your insurance applications from data your books already hold — verified payroll for workers comp, revenue for E&O, the asset register for property, the technology inventory for cyber.
Quote and bind across multiple carriers in one workflow. Generate certificates of insurance on demand. Renew without re-filling forms — the same verified data flows forward.
Value
Three pillars
Coverage that knows your business.
Insurance underwritten on the data already in your platform — and managed inside the same workflow.
Verified Underwriting Inputs
Workers comp premium basis pulls from verified payroll, not estimates. E&O sizes against booked revenue. Property maps from the fixed asset register. Cyber underwrites on actual tech inventory. The audit at year-end is already done.
Multi-Carrier Quoting
Connected to a panel of carrier partners — workers comp, E&O, D&O, property, cyber, GL. Compare quotes side-by-side, bind in-platform, generate the certificate of insurance on demand.
Lifecycle Inside the Platform
Renewals re-quote automatically on updated payroll, revenue, and asset data. Endorsements process inline. Claims initiate from inside the platform with GL impact recorded as carriers pay out.
Agents in action
Native business insurance.
Agents that handle applications, quotes, renewals, claims, and COIs — with full audit trails on every policy.
Renewals run themselves
An expiring policy triggers payroll-basis recalc, multi-carrier quoting, and binding agents that resolve in parallel — without finance team intervention.
Underwriting that sharpens
Every policy, claim, and renewal cycle feeds back into carrier matching and pricing intelligence. Quotes get tighter and faster.
Encode payroll classes, asset register, revenue mix, and loss runs into structured signals.
Match carriers to your industry, geography, and risk profile for the tightest quotes.
Bind, endorse, and renew policies in-platform with GL impact recorded automatically.
Loss runs and claims data sharpen the next renewal cycle and pricing decisions.
Insure on verified data.
See how Theorem turns your system of record into the insurance application — and the renewal.