Business Insurance
Simplified
Get the protection your business needs fast, affordable, and backed by top-tier providers.
Choose your industry to get started:
1,200
Businesses trust Strategic with their insurance.
50
Currently serving all 50 states in the U.S.
100%
Instant online access to a variety of coverages.
Already know what you need?
Choose the type of coverage you're looking for and get a tailored policy in minutes.
Workers Compensation
Choose the type of coverage you're looking for and get a tailored policy in minutes.
Cyber Insurance
Business Owner's Policy (BOP)
General Liability
What is Workers Compensation?
Get covered in just a few clicks.
Strategic makes it easy to get the right business insurance—at the best price—without the wait, hassle, or endless forms.
Answer a few quick questions
Tell us what kind of business you run, how many people you employ, and what you need protection for. It takes less than 3 minutes.
Get matched with a policy
Strategic finds the right coverage at the lowest price, powered by our partnership with AmTrust.
Instant access to your COI
Bind your policy and download your Certificate of Insurance (COI) immediately—depending on the policy, you can get it within minutes.
Ongoing Support
Your business evolves—and your insurance should too. Our support team is here to help you make changes, get answers, or renew, whenever you need it.
Run 365 LLC and the Houston Corporate 5k
“Scott and Strategic are first class in relation to response time, executing on items needed, and just generally being incredibly helpful with race event questions we have pop up. You can get generic plans elsewhere, but if you're looking for coverage with someone that actually understands your race business, Scott is the guy to call. I can't recommend them enough for how much they support our business yearly.”
Bostonbean Coffee Company
“Having worked with Scott and Strategic for over 15 years he has become an important part of our management teams support system. His responsiveness and wisdom have helped our company make good decisions regarding insurance products and risk management.”
Negative Split
“Scott and his team provide the best insurance product in the industry and are able to meet the varying needs of all our events and organizations we work with.”
Small Change Brewing
“Scott and the team at SRT are great to work with, they consistently treat our very small company like a priority.”
Clifford Fuel
“It brings us great comfort knowing we have Scott Sutter behind us! He is available anytime of the day to answer questions and always has our best interest in mind.”
Run 365 LLC and the Houston Corporate 5k
“Scott and Strategic are first class in relation to response time, executing on items needed, and just generally being incredibly helpful with race event questions we have pop up. You can get generic plans elsewhere, but if you're looking for coverage with someone that actually understands your race business, Scott is the guy to call. I can't recommend them enough for how much they support our business yearly.”
Bostonbean Coffee Company
“Having worked with Scott and Strategic for over 15 years he has become an important part of our management teams support system. His responsiveness and wisdom have helped our company make good decisions regarding insurance products and risk management.”
Negative Split
“Scott and his team provide the best insurance product in the industry and are able to meet the varying needs of all our events and organizations we work with.”
Small Change Brewing
“Scott and the team at SRT are great to work with, they consistently treat our very small company like a priority.”
Clifford Fuel
“It brings us great comfort knowing we have Scott Sutter behind us! He is available anytime of the day to answer questions and always has our best interest in mind.”
Questions
and answers
Strategic Insurance is a commercial insurance brokerage based in Worcester, Massachusetts (pronounced Wuh-STAH) — the second-largest city in New England and a great place to live, work, and study!
Our clients across the country want insurance that moves at the speed of their business — available whenever they need it, not just during regular office hours.
To meet that demand, we built a fully automated suite of commercial insurance products from the ground up. This technology lets you quote, purchase, and manage your business insurance anytime — 24/7, 365 days a year.
There are several! They are:
- Workers Compensation: If an employee is hurt at work, workers compensation is designed to coverage their medical bills, as well as a portion of their lost pay. If you have employees, your state very likely requires you to have workers compensation.
- Cyber Liability: Imagine your operation grinding to a halt for weeks because your point of sale provider or management system provider was hacked. Or if a scammer convinces your accounts receivable department to wire money to a fake account. Unfortunately, we don't have to look far for real-life situations like these. Cyber liability is designed to backstop these financial losses.
- Businessowner Policies: Designed to insure you property, as well as your liability – in case someone is hurt on your premises or on a jobsite.
Cost is generally based on a business's annual payroll or gross annual sales.
- Workers Compensation: Is based on payroll. It's also based on the type of work each employee does, called “classes”. If an employee works in an office all day, that is a low-risk rate class. If an employee is a roofer, that is a high-risk rate class. Whatever the rate is, it is multiplied by the annual payroll of that employee.
It is entirely possible and appropriate for your company to have multiple classes. When you set up your workers compensation quote within Strategic, keep that in mind – to make sure you get the best deal. - Cyber Liability: Is based on annual gross sales.
- Businessowner Policies: Are typically based on either gross sales or annual payroll. However, cost can also be based on square footage (ex; for building owners) or units (ie; condominium associations).
In most cases, Workers Compensation and Cyber policies can be purchased immediately.
Businessowner quotes are generally ready within 48 hours of you completing the survey.
We only work with insurance companies that are rated A- or better by AM Best. Over the past 20+ years, we have witnessed these insurers stand by their contract – earning our trust.
Yes! All of our businessowner policies have $1M/$2M limits. Although they sound like big numbers, in commercial insurance, those are customary limits.
Live and licensed staff are available each business day, from 8AM – 5PM Eastern Time. You can call us at 508-304-6106 or email us at support@srtins.com.
Once you complete the purchase of your policy, a template certificate of insurance will appear in your profile. When you tap on that template, you'll be prompted to supply some information about the certificate holder (ie; the person or company that is requesting the certificate). You can create as many certificates as you need, any time of day.
