Introducing Quick Quotes for General Liability and Workers' Comp
Alton Risk now offers quick quotes for general liability and workers' compensation: a fully digital application that takes a few short sections, returns options from top carriers, and aims to deliver a quote and a certificate of insurance (COI) the same day.
The short version: Complete the online application, and an Alton Risk broker returns general liability and workers' comp options, with a goal of the same day. Once you choose and bind a policy, we issue your certificate of insurance, so a landlord, customer or payroll provider is not left waiting. Start your quick quote.
Key takeaways
- Quick quotes cover general liability, workers' compensation, or both, in one digital application.
- Our goal is a same-day quote. Timing depends on your class of business, your state and carrier appetite.
- A certificate of insurance (COI) can be issued once your policy is bound, and we aim to do that the same day too.
- You only answer the questions for the coverage you choose.
- Submitting the application does not bind coverage.
What is an Alton Risk quick quote?
An Alton Risk quick quote is a fully digital application for general liability and workers' compensation insurance. You answer a few short sections online. A broker reviews your answers, goes to market with carriers that fit your risk, and returns options. It replaces the back-and-forth of emails, PDFs and separate carrier forms. Get a quick quote.
How does the application work?
The application has six sections, and a progress bar shows where you are.
- Contact: your name, email, phone and business name.
- Coverage: choose general liability, workers' comp or both.
- Company: what you do, your entity type, revenue, headcount and locations.
- General liability: limits, products, subcontractors and whether you need a certificate. This section appears only if you chose general liability.
- Workers' comp: payroll and headcount by role, owners and any experience mod. This section appears only if you chose workers' comp.
- History: current or prior carriers and any claims, then submit.
How fast can I get a quote and a certificate of insurance?
Our goal is a same-day quote, and a same-day certificate once a policy is bound. A complete application is what makes that possible, because the broker has what carriers ask for. Timing still depends on your class of business, your state and carrier appetite, and a broker may ask a follow-up question before presenting options. A certificate of insurance is issued after you approve an option and the policy is bound. It is not available before then.
What is a certificate of insurance, and who asks for it?
A certificate of insurance (COI) is a one-page document that proves you carry coverage. Landlords, customers, lenders, event venues and payroll providers commonly ask for one before you can sign a lease, start a project or run payroll. For general liability, they often also want specific wording, such as additional insured status or a waiver of subrogation. Tell us who needs the certificate and what they require in the application, and we build it into the quote. See what counterparties require on a COI.
Why quote general liability and workers' comp together?
Most businesses need both, and one application means the shared company details are entered once. General liability covers third-party bodily injury, property damage and personal and advertising injury, and many leases and contracts require it. Workers' compensation covers employee injuries and illnesses, and most states require it once you have employees. Together they are the two coverages a customer, landlord or payroll provider is most likely to ask for first.
How does Alton Risk keep coverage affordable?
We keep coverage affordable by comparing carriers, right-sizing limits and rating you correctly, not by promising a price up front.
- Comparing carriers: one application reaches multiple markets, so you see real options.
- Right-sizing limits: limits match what your contracts and operations require.
- Accurate classification: a clear description of operations and roles helps prevent being rated in a more expensive class.
- Clean information: complete payroll, revenue and loss history reduces underwriter questions and audit surprises.
Final pricing depends on your business, state and carrier appetite.
What do I need to have ready?
| For | Have ready |
|---|---|
| Both | Legal business name, entity type, FEIN, date started, a plain-language description of what you do, revenue, locations, prior carriers and claims |
| General liability | Desired limits, products sold, subcontractors, any contract that requires a certificate or specific wording |
| Workers' comp | Full-time and part-time headcount, payroll and duties by role, owner and officer details, any experience mod |
What happens after I submit?
A broker reviews your application, may ask a follow-up question, and sends options to compare. Nothing is bound until you approve an option. Once you do, the policy is issued and we send the certificate of insurance to you or directly to the party that requires it.
Who is a quick quote for?
It fits startups hiring their first employee, small and growing businesses that need a certificate for a customer or landlord, and companies comparing their current program. If you need directors and officers, cyber, errors and omissions or other specialty lines, or you have been declined elsewhere, start the quick quote and then book a consultation (opens in a new tab). See also our guide on workers' comp for startups.
About Alton Risk
Alton Risk is a boutique, AI-native commercial insurance brokerage that works with emerging technology companies, including AI, crypto, fintech and venture-backed firms, and the businesses that grow alongside them. Alton Risk Insurance Services LLC is a licensed insurance agency. Learn more at altonrisk.com.
Get a quote and a certificate, fast
Complete the digital application and a broker takes it from there.
Start your quick quote →Related reading: General liability · Workers' compensation, defined · Certificate of insurance (COI) · Workers' comp for startups · COI requirements
Frequently asked questions
What is a quick quote?
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A quick quote is Alton Risk's fully digital application for general liability, workers' comp or both. A broker returns options from top carriers, aiming for the same day.
How fast is a quote?
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Our goal is a same-day quote. Timing depends on your class of business, your state and carrier appetite, and a broker may ask follow-up questions.
Can I get a certificate of insurance the same day?
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Our goal is to issue it the same day your policy is bound. A certificate is available only after coverage is bound, because it proves coverage that exists.
Can I request specific wording on the certificate?
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Yes. Note any additional insured, waiver of subrogation or other requirement in the application, and we build it into the quote and the certificate.
Can I apply for general liability and workers' comp together?
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Yes. Choose both, and the shared company questions are asked once.
Does submitting the application bind coverage?
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No. Coverage is only in force once a policy is issued after you approve an option.
How do you keep coverage affordable?
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By comparing carriers, matching limits to your contracts and describing your operations and payroll accurately. Final pricing depends on your business, state and carrier appetite.
What if my business is complex or has been declined?
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Submit the application anyway. A broker reviews every submission, and harder risks can be placed through specialty and E&S markets.
Can't find an answer to your questions? Reach out to our team →
This article is general information, not legal or insurance advice. Eligibility, timing and pricing depend on your class of business, your state and carrier appetite. Submitting an application does not bind coverage.