Modern business insurance

Business insurance that finally feels handled.

Or talk to a broker →1-800-GET-RIZA
  • A real broker who knows your industry
  • Policies explained in plain English
  • Switch in minutes, with the same coverage and carriers
  • COIs, renewals, and claims in one simple dashboard
app.riza.com / dashboard
Live
Welcome back, Jane
8 active policies, 2 renewing soon.
all systems green
Annual premium
$48,200
−3.2%
Next renewal
17 days
GL
COIs this month
24
+3 this week
Recent activity
View all →
  • GL renewal in 17 days
    Travelers · in 4 minutes 12 seconds
    now
  • Workers Comp — annual audit completed
    all done in 1 hour
    12s
  • Cyber claim — Coalition opened claim #C-3019
    Confirmed
    2m
  • COI sent to Acme Property — additional insured
    Generated and emailed in 28 seconds
    4m

The coverage your business depends on.
Built around how you actually work.

Cover the basics in one policy.

Bundle general liability, property, and business income into one simple package. Built for owners who want coverage without the maze.

General Liability added
$2M / $1M aggregate
Property added
$500k replacement cost
Bundled
3 lines · 1 policy · $4,820/yr
rizaPOLICY · DECLARATIONS
Business Owner’s Policy
POLICY NO.
BOP-2026-4820
INSURED
Patel HVAC LLC
COVERAGES BUNDLED
General Liability · $2M / $1M agg
Commercial Property · $500k
Business Income · 12-month ALE
EFFECTIVE
08/14/26 — 08/14/27
ANNUAL PREMIUM
$4,820
Protection when something goes wrong.

Customer damage, employee claims, cyber incidents, lawsuits. We help you understand what you need before you need it.

CLAIM
#2026-1184
Active · Day 8
Line items
01
INCIDENT
Slip and fall · Acme Property
$48,500
02
ADJUSTER
Sarah K. · Travelers
Assigned
03
ESTIMATE
Mar 21 · damage assessed
$42,800
RESERVE
$48,500
EXPECTED PAYOUT
$42,800
Cover what keeps you running.

Buildings, tools, equipment, inventory, and lost income when covered events slow you down.

INSURED ASSETSAll locations ▾
ASSETCATEGORYVALUE
BBuildingReal property$850k
EEquipmentMovable$340k
TToolsMobile · scheduled$180k
IInventoryStock$78k
$Business income12-month ALE$100k
Total insured value$0
For the vehicles your business runs on.

One van, a growing fleet, rentals, and employee-owned cars used for work. We make sure the gaps are covered.

FLEET MANAGEMENTOverviewVINsDrivers
ANNUAL PREMIUM
$0
VEHICLES
11
YOY
−4.8%
GMC Sierra · 2021VIN1G···K23ACTIVE
Ford Transit · 2022VIN1F···B17ACTIVE
Chevy Express · 2019VIN1G···N91ACTIVE
One platform

Run your business. We’ll handle the insurance.

Quote, bind, renew, service, and share proof of insurance from one login. Real brokers for everything that needs judgment.

Policies8
AllActiveRenewing
GL · $2MTravelersRenews 09/01Active
Workers CompHartfordRenews 11/14Renew
Commercial AutoProgressiveRenews 02/22Active
Cyber · $1MChubbRenews 08/19Renew
EPLI · $1MHiscoxRenews 04/30Active
See every policy in one place.

GL, workers’ comp, commercial auto, cyber, EPLI, renewals, COIs, and claims. No spreadsheets. No mystery PDFs. No waiting on someone to “circle back.”

New certificate
ACORD 25
CERTIFICATE HOLDER
COVERAGE LINES
GL · $2MWorkers CompAuto
COIs in 30 seconds.

When a landlord, client, or vendor asks for proof of insurance, generate it from your phone and send it before they refresh their inbox.

GL Renewal · Hartford expires 14 days
Auto re-shop
01
Pull current policy
02
Re-shop market
03
Options ready
Renewals start before they become urgent.

We begin 90 days early, re-shop the market, and bring you options before you have to ask.

Plain English
CLAIMS-MADE
POLICY LANGUAGE
"Coverage is excluded for any 'occurrence' arising from the rendering or failure to render any 'professional service'…"
WHAT IT MEANS
If you give bad advice and someone sues you for it, this policy doesn't cover it. You'd want Professional Liability for that.
Know what your policy actually says.

We turn your policy into a one-page summary: what’s covered, what isn’t, what it costs, and when to call us. No 80-page scavenger hunt.

Working with us

Get covered fast.
Get back to work.

  • Apply online without phone tag, paperwork, or waiting days for a callback.

  • Generate and send proof of insurance in seconds, even when the request comes in late on a Friday.

  • We review your coverage, re-shop the market, and show you options before the deadline gets loud.

  • When something happens, you have a person who knows your business and picks up the thread.

QUOTES READYBOP · coffee shop
Travelers
BEST · save $480
$1,840/yr
Hartford
A+ rated · 14-day bind
$2,120/yr
Chubb
A+ rated · 14-day bind
$2,340/yr
3 carriers · best match highlightedlive
Already have a broker?

Switching is easier than you think.

A Broker of Record letter moves your account to Riza. Same carriers. Same coverage. No gap. We handle the paperwork.

  1. 01
    One letter

    We prepare it. You sign it. That’s the work on your end.

  2. 02
    We notify your carriers

    Your coverage stays in place while your account moves to Riza.

  3. 03
    We get to work

    You get your dashboard login, your policy summary, and a broker who starts reviewing your account.

Your insurance could feel handled by this afternoon.

Tell us about your business. We’ll show you your options and take it from there.