How We Measure Commercial Insurance Marketplace Data

Get Business Coverage operates a commercial-insurance quote-comparison platform. Applicants complete a 14-step quote form for a specific business vertical and state. Carrier partners return premium responses for that applicant's specific business profile. We aggregate those carrier responses across applicants to publish observations about commercial-insurance pricing patterns by vertical, state, employee band, and revenue band.

This page documents the methodology behind every first-party marketplace observation we publish — so that any cited number on Get Business Coverage carries a single canonical reference for its provenance.

What we collect

From applicants, we collect business profile inputs at quote time:

• NAICS / SIC class code + vertical category
• State, ZIP code (first 3 digits retained for analysis; full 5-digit used only for quote routing)
• Annual revenue band (banded — never exact $ figure)
• Employee count band
• Years operating
• Requested coverage classes (GL, BOP, Commercial Auto, Workers Comp, etc.)
• Vehicle counts + radius bands (for commercial-auto applicants only)

From carrier partners, we collect premium responses:

• Quoted annual premium per coverage class
• Deductible options
• Quote freshness timestamp
• Decline / no-quote signals (with reason code when provided)

How we aggregate

Every published observation reports the aggregation it represents. Common patterns:

• Premium range — 25th to 75th percentile band of quoted annual premiums for a given vertical × state × employee band × coverage class.
• Median premium — middle quoted figure of a given cohort, never the mean (which is biased by carrier outliers).
• Coverage adoption rate — share of applicants in a vertical who request a given coverage class.
• Freshness window — the calendar quarter of the underlying applicant submissions. We publish only data ≤ 90 days old; older datasets are explicitly marked «archive».

Every published statistic carries: (1) the sample size n, (2) the cohort definition, and (3) the date window. A statement like «food trucks in Texas with 1–3 employees pay $X–$Y per year for General Liability (n=N, GBC marketplace 2026-Q1)» is fully reproducible if you re-run the same cohort on our admin tooling.

How we anonymize

No personally identifiable information appears in any published aggregate. Specifically:

• No applicant name, business name, DBA, email, phone, or address is ever published.
• Geographic precision is capped at ZIP3 (the first 3 digits) in any public reporting. Quote routing uses ZIP5 internally but never appears in published aggregates.
• We enforce a minimum cohort size of n=20 for any published premium statistic. Cohorts below n=20 are either rolled up to a broader bucket or not published.
• Revenue is reported in bands (e.g., $0–250K, $250K–1M, $1M–5M) — never as exact figures.

What we explicitly do NOT report

Several categories of data we collect or observe are deliberately excluded from public reporting:

• Carrier-identifying premium breakouts. We never publish «Carrier X charges $A vs Carrier Y charges $B» for the same applicant cohort. Carrier comparisons stay aggregate.
• Sub-state geographies below ZIP3. No city-, neighborhood-, or ZIP5-level pricing breakouts.
• Individual quote details. No specific applicant's quote is ever surfaced, even with name stripped — the rest of the profile would reidentify.
• Carrier decline patterns by applicant identity. We track them internally for quality monitoring; we never publish them.
• Bound-policy data. Get Business Coverage is a referral marketplace, not a carrier. We do not have access to which applicants ultimately bound coverage with which carrier at what final premium.

How to cite our data

Every published marketplace observation on Get Business Coverage is citable in the form:

Get Business Coverage marketplace data, [calendar quarter], n=[sample size], cohort=[vertical × state × employee band × coverage class].

Journalists, analysts, or trade-association publications who would like access to a specific cohort breakdown beyond what we publish can reach editorial@getbusinesscoverage.com. Methodology questions go to the same address — our Finance & Technology team will respond directly.

How we made this article

• Drafted by Dave Benson, CFO.
• Edited by Justin Marks, Founder & Editor. (Not a licensed insurance agent.)
• Reviewed for regulatory accuracy by Jason Wootton, California-licensed P&C insurance agent (CA #0I94454). Verify license ↑
• Last updated May 30, 2026. We refresh this methodology when collection, aggregation, or anonymization practices change.

See our editorial methodology for our broader source policy. Get Business Coverage operates an industry-primary citation discipline: every figure on our site cites a published industry source first; first-party data is corroborating only.