Intentional Onboarding. Simplified Renewals. Reduced Surprises.
Built by business owners, for business owners.
CommercialCore helps insurance agents deliver smarter commercial coverage through a quarterly rhythm of onboarding, renewals, and reviews — designed to reduce surprises and increase client loyalty.
What Is CommercialCore?
CommercialCore is a quarterly business-insurance framework designed for agents who want to stand out and scale smarter.
It replaces chaotic, last-minute renewals with a predictable quarterly rhythm—structured reviews, true-ups, and documentation that keep clients informed and your workflow simple. Each cycle builds consistency and trust, turning renewals into opportunities for retention and growth.
This proven system brings together Workers’ Compensation, General Liability, Auto, and Umbrella coverage into one coordinated plan, so certificates stay clean and policies keep pace with real operations.
With CommercialCore, you move from policy salesperson to strategic advisor—delivering proactive communication, cleaner audits, and measurable results.
The result: happier clients, smoother audits, higher retention, and a stronger commercial book—without more work.
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Our mission
To simplify commercial insurance for agents and business owners alike — through intentional onboarding, disciplined renewals, and reduced surprises.
How the Program Works
CommercialCore gives agents a structured way to stay in sync with their clients — every quarter, all year long.
Step 1: Open Enrollment (Months 1–2)
We start with a selective intake window where we gather your last 12–36 months of payroll, review class codes and policies, and build accurate projections. Our goal is to align your Workers’ Comp and broader insurance plan, so everything renews cleanly and consistently.
What happens:
- Review of payroll and class codes
- Collection of operations info
- Identify coverage gaps and align limits
- Prepare your plan for next-quarter start
Step 2: Underwriting & Placement (Month 3)
We finalize underwriting, confirm limits, and ensure your coverage goes live cleanly on the first day of the next quarter.
This means no mid-year renewals, no mismatched policies — just one consistent cycle that fits your business.
During this step:
- Review and finalize submissions
- Confirm EFT/payment setup
- Verify updated certificates
- Bind coverage for the next quarter
Step 3: Quarterly 941 True-Up
At the end of each quarter, you send us your Form 941, and we reconcile your actual payroll against the projections used to set your premium.
This ensures:
- Premiums match real operations
- Cleaner audits and accurate documentation
- Smoother cash flow
- Fewer end-of-year adjustments
How the Program Works
CommercialCore operates on a predictable quarterly cadence that keeps your business protected and your coverage current — without the chaos of year-end surprises.
| Quarter | Open Enrollment (Months 1–2) | Placement (Month 3) | Effective Date | Quarterly Action |
|---|---|---|---|---|
| Q1 | Jan–Feb | March | Apr 1 | Send Q1 941 → True-Up |
| Q2 | Apr–May | June | Jul 1 | Send Q2 941 → True-Up |
| Q3 | Jul–Aug | September | Oct 1 | Send Q3 941 → True-Up |
| Q4 | Oct–Nov | December | Jan 1 | Send Q4 941 → True-Up |
This quarterly rhythm keeps your coverage aligned with your operations — every season of the year.
What We Need to Get Started
- Current DEC pages for Workers’ Comp, GL, Auto, and Umbrella
- 12–36 months of monthly payroll by class code (with owners/waivers)
- Most recent Form 941 and state unemployment filings
- Current WC policy, mod worksheet, and loss runs
- Subcontractor/COI details and safety notes
- Preferred payment plan and EFT details
Everything you already collect — now organized quarterly for smoother renewals.
Program Benefits
Designed for Agents Who Want to Grow
- Cleaner audits and fewer surprise bills for clients
- Aligned coverage across WC + GL + Auto + Umbrella
- Quarterly rhythm that increases retention and renewal predictability
- Proactive communication that sets you apart from other agents
- Cash flow visibility that business clients actually appreciate
Stand out from the noise — with a system that builds loyalty and trust automatically.
Why Choose CommercialCore
Built by Business Owners
We’ve managed payrolls, crews, and audits ourselves — we know what business owners really need from their coverage.
Quarterly True-Ups
Each quarter we review your Form 941 to align premiums with real operations — reducing surprises and keeping policies accurate.
Coordinated Coverage
We unify Workers’ Comp, GL, Auto, and Umbrella into one plan so renewals are clean, consistent, and easy to manage.
Simplified Audits
Quarterly reconciliations mean organized records, cleaner documentation, and faster, stress-free audit cycles.
Cash-Flow Clarity
Your premiums follow your payroll rhythm, helping maintain predictable costs and protecting your bottom line.
Dedicated Support
Our experienced team works directly with you — providing proactive guidance that fits how your business truly runs.
Become the Agent Every Business Owner Trusts.
With CommercialCore, you’re not just selling policies — you’re delivering clarity, retention, and structure that keeps clients for life.
Take the first step toward a smarter, more profitable commercial book.
Expand Your Book. Strengthen Retention. Serve Better.
CommercialCore gives agents a quarterly, proactive system that keeps clients in rhythm — helping you grow your commercial book with less friction and more value.
Built for Agents
Integrate a quarterly service rhythm that helps you stand out, reduces audit friction, and improves client retention.
Increase Renewals
Clients stay longer with proactive true-ups, smoother renewals, and year-round communication built into your workflow.
Supported by Experts
Our system, tools, and process are designed by experienced commercial specialists — making it easy for your agency to plug in and deliver results.
Trusted by Business Owners Who Value Simplicity and Clarity
Real feedback from clients who streamlined their coverage and found peace of mind through CommercialCore.
Ready to Grow Your Commercial Book — Without the Chaos?
Join the network of agents who are simplifying renewals, improving retention, and delivering real value to their business clients through the CommercialCore quarterly system.
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