I keep up
with your
business.
Erni is the insurance broker that learns how your business actually works, and keeps watching as things change, so your coverage doesn't quietly fall behind.
Free · about 15 minutes · yours to keep, even if you never switch to Erni
Hired two subcontractors.
Signed a bigger client.
Bought a second truck.
Started delivery.
Took on customer data.
Opened a second location.
Your insurance still knows the business you were 11 months ago.
Proof
Need something from your insurance? Just ask.
A GC needs proof of insurance. A landlord sends a lease requirement. A client asks to be added as additional insured. You want to know whether the new truck is covered.
Erni already knows your business and has read your policies, so it starts with the answer, not another questionnaire.
New GC needs a COI with $2M liability and additional insured. Are we good?
Your liability limit is $2M. ✓
Their contract also requires additional insured status. Checking that against your current endorsement.
Go win the job.
Some changes require advisor or carrier approval. Erni handles the work and keeps you moving.
Every business has accounting software. Every business has a CRM. Soon, every business will have a Business Risk Passport.
The product
One living recordof how your businessactually runs.
What you do. Who works for you. What you own. Where you operate. Who you work for. And what your insurance actually covers.
Erni turns it into your Business Risk Passport, built from evidence, connected to your policies, and kept current as the business changes.
And you never fill out the same insurance questionnaire again. You're welcome.
Get my Business Risk PassportBusiness Risk Passport
Sample · Alvarez Construction · Phoenix, AZ
- Business
- General contractor ✓
- Crew
- 8 employees + subcontractors
- Operations
- AZ + NV
- Coverage
- 6 verified · 2 need attention
- Last updated
- 3 minutes ago
- Monitoring
- 12 signals
What Erni knows
Every important fact, with the evidence behind it.
What your policies actually say
I don't tell you that you're covered. I show you where.
General liability · $2M limit
Policy p. 6, schedule
Commercial auto · second truck
Vehicle not listed on schedule
Additional insured · required by GC contract
Endorsement not confirmed
Every answer links back to the policy language behind it.
What changed
New commercial project detected, contract requirements opened for review
$2M liability requirement matched against the policy, covered
Additional insured requirement found, advisor action required
Requirement completed, COI issued
Every change has a history. Nothing changes without your knowledge.
The engine
How I build it, and keep it alive.
I research your business.
Before asking you anything, I study your public footprint and draft what I already know. You've answered enough insurance questionnaires for one lifetime.
You fill in the blanks.
One focused conversation. I only ask what I couldn't reliably learn on my own. Usually about ten minutes.
Still one truck on the road, or did that change?
We picked up a second one in March.
✦ Passport updated · vehicle added
I read your policies. All of them. Even page 34.
I map what's covered, what's missing, and what's ambiguous, with the page and clause behind every answer. You don't have to take my word for it.
Commercial auto · p. 34, vehicle schedule
Second truck not listed
GapWe fix what needs fixing.
Erni does the research, reading, matching and preparation. Licensed advisors review recommendations and place coverage with multiple insurers. Insurers pay us commission, like other brokers. The difference is what you get for it.
Commercial auto
Vehicle addedAdditional insured
EndorsementGeneral liability
Unchanged✓ Reviewed by a licensed advisor
Then I keep watching.Continuous
A new truck. A new location. A bigger contract. More employees. A new state. Something changes, your Passport updates, and your coverage gets checked again. That's the point.
Insurance used to be a snapshot.
A traditional broker
Hopefully nothing important changes in between.
Erni
Insurance becomes a loop.
The outcome
Better insurance. Fewer surprises.
Alvarez Construction wins its biggest commercial project yet.
The business changed
New project, bigger contract.
Erni noticed
The project appears in the Passport.
Erni checked the requirement
The GC requires $2M liability and additional insured.
Erni checked the policy
$2M liability: covered. Additional insured: action needed.
The advisor handled it
Endorsement confirmed, certificate issued.
The job starts with the insurance requirement solved, not discovered after something goes wrong.
That's insurance keeping up with the business.
Multi-carrier placement
When it's time to shop your insurance, we already know the risk. No starting from zero. No generic application filled out in a rush. Your Passport is the starting point across multiple insurers.
Your insurance shouldn't require a phone call.
A lease clause. A client's insurance requirement. A question at 11 PM: “Wait, are we actually covered for this?”
Ask Erni. Your insurance copilot, 24/7. Answers come from your actual policies, with the source attached.
Does our policy cover rented equipment?
Yes, up to $100,000, subject to the conditions in your equipment coverage.
✦ Policy p. 18, §4.2
No hold music.
By the way: if you'd entered your website when you first landed here, I'd probably have your first Passport draft underway already.
That's kind of the whole idea. Make up for lost time ↓
Built with commercial insurance experts.
Erni does the research, organization, policy reading and monitoring. Licensed professionals review recommendations and make every binding insurance decision.
Your data belongs to you. Every connected data source is opt-in.
Let me research your business.
Enter your website and Erni starts building your Business Risk Passport before we ever talk.
Free · about 15 minutes · yours to keep, even if you never buy a policy from Erni.
No questionnaire first. Your website first.