Small-business insurance done well.
BOP, cyber, and umbrella for shops, salons, services, and other Main Street small businesses. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions vs traditional small-business brokers.
- 02
BOP packaged with the right liability + property limits for your class — no upselling, no junk endorsements.
- 03
Servicing in minutes through the portal — never wait on a broker callback for a vendor COI or an audit response.
Carriers we shop in Main Street Small Business
Coverage
What we quote in Main Street Small Business
Business Owners Policy
Property + GL bundled for the storefront or office. Equipment breakdown included.
Cyber Liability
Right-sized cyber for small operators — usually $250K-1M with breach response built in.
Workers Compensation
Class codes correct for your trade. Ex-mod factor reviewed before quote.
Commercial Umbrella
Excess limits over GL and auto. Sized to your largest liability exposure.
Hired & Non-Owned Auto
For occasional employee-vehicle use and rented vehicles.
Crime / Fidelity
Employee dishonesty, money-and-securities, social-engineering coverage.
Frequently Asked
Main Street Small Business insurance questions, answered.
What does small-business insurance typically cost?
Premium depends on your trade, payroll, gross receipts, square footage, state, and prior loss history. A salon prices very differently than a small accounting office. Final cost is subject to underwriting and the carriers writing your class.
What's a BOP and is it right for my business?
A Business Owners Policy bundles property and general liability — and usually equipment breakdown and limited business interruption — into a single packaged policy aimed at smaller, lower-risk operations. It's the right placement for most Main Street trades that fit the carrier's eligibility (square footage, sales, occupancy type). High-hazard or higher-revenue operations often need standalone policies instead. Eligibility is subject to underwriting.
Do I need cyber insurance as a small business?
Yes. Small-business operators are repeat targets for ransomware, social-engineering wire fraud, and customer-data breaches — and most BOPs include only nominal cyber sublimits, not real coverage. Standalone cyber at $250K–$1M with breach-response services built in is the typical right-size placement, depending on customer-data volume and payment-processing setup.
What policies does a Main Street business need?
A typical small-business program includes a Business Owners Policy, standalone Cyber, Workers Compensation, a Commercial Umbrella sized to your largest liability exposure, Hired and Non-Owned Auto if anyone drives, and Crime/Fidelity for employee-theft and money-handling exposure. Coverage is subject to underwriting.
How fast can I get a Certificate of Insurance for the landlord or a vendor?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical small-business broker. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Other industries we serve
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