Tivly Review

About Tivly

Tivly (formerly CommercialInsurance.net) is a two-sided commercial-insurance marketplace: rather than underwriting policies itself, it matches your business to one of 200+ partner carriers and hands you off to a carrier representative to complete the quote. Founded in 2009 and based in Norman, Oklahoma (with a St. Petersburg, Florida office), it has built real credibility — an A+ rating with the BBB (accredited since 2010) and recognition as a Top 10 Workers' Compensation Insurance Services company in 2024.

The model is useful for trades that are hard to place. You complete a quick online or phone intake (about five minutes), and Tivly routes you to a carrier whose underwriting appetite fits your business — including tough-to-insure or high-hazard classes that a single direct carrier might decline. With 200+ carriers in the network, the odds of finding a market for an unusual or higher-risk trade are good. For roofing, demolition, or other high-hazard work that biBERK or Huckleberry might not write online, a marketplace like Tivly can be the path to coverage.

The key thing to understand is that Tivly is a matchmaker/lead service, not the insurer or even the servicing broker of record in the traditional sense — once matched, you work with the carrier's representative, and Tivly monetizes through its carrier relationships (much like a lead platform). That is not a knock; it is how the model works. But it means your ongoing service relationship is with the matched carrier, and experiences vary by which carrier you land with.

For a trades business — especially a high-hazard or hard-to-place one — that wants to be matched to a fitting carrier quickly rather than shopping carriers itself, Tivly is a credible, well-rated marketplace. Pair it with a direct A++ carrier quote (biBERK) or a digital broker (Simply Business, Insureon) to compare the matched-carrier option against the broader market.