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Commercial insurance

Win the job.
Erni handles the insurance.

A commercial insurance broker you can text, who already knows your business. Built first for contractors.

Text Erni
  • No forms
  • No phone tag
  • No starting over
  • Knows your business
  • Reads your actual policies
  • Licensed experts when needed
  • Nothing beyond your premium

Erni

Today

Mike · 2:41 PMTurner-Tower-Contract.pdf

Can I take this job?

Erni · 2:44 PM

Your $2M liability limit works. One requirement is missing: additional insured + primary/noncontributory. I'm checking your endorsements now.

Mike · 2:45 PM

Need it tomorrow. Mobilizing Monday.

Erni · 2:45 PM

Tomorrow. I'm on it.

Erni · 3:52 PM

Done. COI sent. You're good for Monday.

Contract readPolicy checkedGap foundHandled

Your broker may be great. The workflow isn't.

Keep the expertise.
Lose the runaround.

The old way

  1. Call the broker
  2. Explain the job
  3. Forward the contract
  4. Send the policy
  5. Answer the questions
  6. Broker forwards it internally
  7. Wait
  8. Follow up
  9. “Checking”
  10. Wait

Erni

  1. Text Erni
  2. Erni already knows the account
  3. Answer + action

One conversation on top. A brokerage underneath.

Erni already knows

Erni doesn't start from zero.

Mike · 7:12 AMHillcrest-Subcontract.pdf

Same insurance requirements as Turner?

Erni · 7:14 AM

Mostly. Turner required primary/noncontributory wording. This one doesn't. Your current coverage already works. Nothing to change. Go win it.

Three words were enough.

Because Erni remembers the relationship.

Alvarez Construction

Sample account

Business
B + C-10 Electrical12 employeesSan Jose, CACommercial projects
Insurance
GL ✓WC ✓Auto ✓Umbrella $2M
Current work
Turner Tower contractCOI due tomorrowC-10 added 6 days ago
History
18 conversations7 certificates3 contracts reviewedLast renewal: Mar 2026

Business Risk Passport

That's why Erni can answer before another broker has finished finding your file.

Erni doesn't always wait for you

Sometimes Erni should text you first.

The useful time to find an insurance problem is before it becomes a job problem.

Erni · 9:18 AM

Mike, your license added C-10 electrical last Thursday. Are you taking electrical work now?

Mike · 9:31 AM

One commercial project.

Erni · 9:31 AM

Send me the contract. I'll check it before you're committed to the job.

Built around the real market.

244K+

California contractors mapped

9K+

qualified opportunities identified

Weekly

business-change signals

One

relationship, from first conversation through renewal

COI

“Need this today.”

ErniI have the requirements. Preparing it now.

Contract

“Can I take this job?”

ErniYour limits work. One requirement is missing. Handling it.

New hire

“Starting another guy Monday.”

ErniI have your current payroll. What's his role?

Vehicle

“Bought another van.”

ErniSend the VIN. I'll handle the update.

Coverage11:08 PM

“Are we covered for rented equipment?”

ErniYes. Inland marine, p. 6. I'll send you the clause.

Change nothing

“Do we need anything else?”

ErniNo. Your current coverage works. Go.

Sometimes the best insurance advice is: change nothing.

How Erni works

  1. Know your business
  2. Notice what matters
  3. Talk only when needed
  4. Act until it's handled

Every completed request becomes part of what Erni knows next time.

Under the hood

One conversation on top.
A brokerage underneath.

  1. Customer

    Text Erni

  2. Context

    business · policies · contracts · history

  3. Intelligence

    requirements · gaps · changes · next action

  4. Execution

    COIs · submissions · endorsements · renewals

  5. Experts + markets

    licensed judgment · carriers · wholesalers

Human judgment where it matters. Software speed everywhere else.

Mike · 11:20 AM

Hillcrest says my workers' comp class codes are wrong for the electrical scope.

Erni · 11:21 AM

This one needs workers' comp judgment. Bringing in Dana, our WC specialist. She already has your policy, the contract and this thread.

Dana · Erni · 11:26 AM

Mike, I've reviewed it. Two class codes need to change for the electrical scope. I'm drafting the carrier request now. You'll have it by 3 PM.

The people

Human judgment. Without human waiting.

You don't choose between AI and a broker.
You just text Erni.

Before you text

Already have a broker?
Keep them. Text Erni the next time you have a contract, a COI, a coverage question or a business change. See which experience you prefer.
What does it cost?
Nothing beyond your premium. Insurers pay Erni commission, like any broker.
Is it just software?
No. Licensed experts step in where judgment matters.
Only for contractors?
Built first for contractors. Commercial insurance is the company.

Next time insurance comes up,
text Erni.

Or start now with your company name.

Text Erni

Licensed · Independent · Nothing beyond your premium

Text Erni. Keep moving.