Tivly Insurance Review 2026

When navigating the complex world of commercial insurance, business owners need solutions that combine convenience, comprehensive coverage options, and competitive pricing. Tivly has emerged as a leading digital insurance marketplace, transforming how small and medium-sized businesses connect with appropriate coverage through their innovative platform approach. 

This comprehensive review examines Tivly’s marketplace model, available coverage options, customer experience, and overall value proposition to help business owners make informed decisions about their commercial insurance needs. Whether you’re a startup seeking your first business insurance policy or an established company looking to optimize your coverage portfolio, understanding Tivly’s strengths and limitations is essential for protecting your business effectively. 

Auras Insurance Overview

Tivly, formerly Commercialinsurance.net, is a leading insuretech that partners with over 200 insurance agents, brokers and carriers looking to better connect small business owner needs with a coverage solution. Based in Oklahoma City, the company operates as a digital commercial insurance marketplace rather than a traditional insurance carrier, focusing on connecting businesses with appropriate coverage through their extensive network of partner providers. 

Company Foundation and Evolution 

• Established marketplace model – Functions as a two-sided digital platform connecting businesses with insurance carriers 
• Extensive partner network – More than 200 partner carriers, many with the top ratings from AM Best, meaning they are financially solvent and considered the best of the best 
• Technology-driven approach – Combines martech and insurtech services with live customer support 
• Brand evolution – Transitioned from CommercialInsurance.net to Tivly to reflect expanded digital capabilities 

Tivly is a leading two-sided digital commercial insurance marketplace that matches businesses with insurance carriers. Through this, commercial insurance providers can get access to new business opportunities that fit the specific risks they target. This marketplace model allows Tivly to offer businesses access to multiple carriers simultaneously, potentially providing more competitive pricing and coverage options than working with individual carriers directly. 

Operational Structure and Business Model 

• Marketplace facilitator – Tivly is a legitimate company that provides a service of pairing businesses with insurance carriers 
• Professional expertise – When you work with Tivly, you get the professional expertise of their representatives to appropriately pair you with the right insurance carrier 
• Multi-carrier access – Enables comparison shopping across numerous highly-rated insurance providers 
• Technology integration – Leverages digital tools to streamline quote generation and policy management 

The company’s approach addresses common pain points in commercial insurance purchasing, including the time-consuming process of obtaining multiple quotes, understanding coverage differences, and navigating complex policy terms. By centralizing these services through a single platform, Tivly aims to simplify the insurance buying experience while maintaining access to competitive options from established carriers. 

Products and Services Offered

General Liability Insurance 

For a business, general liability insurance provides coverage for medical expenses for non-employees, property damage, court and legal fees, administrative costs to handle claims, punitive damage, and economic or business damage. Through Tivly’s marketplace, businesses can access general liability coverage from multiple carriers, allowing for competitive pricing and coverage comparisons. 

• Comprehensive Protection Coverage 

• • Third-party bodily injury and property damage claims 

• • Product liability and completed operations coverage 

• • Personal and advertising injury protection 

• • Medical expense payments for non-employees 

• Legal and Administrative Support 

• • Defense costs and legal representation 

• • Settlement negotiations and court proceedings 

• • Administrative costs associated with claim handling 

• • Professional legal guidance throughout claims process 

Workers’ Compensation Insurance 

Tivly has been recognized as Top 10 Workers Compensation Insurance Services Companies – 2024 by Insurance Business Review, highlighting their expertise in this critical coverage area. Workers’ compensation provides essential protection for both employers and employees in case of workplace injuries or illnesses. 

• Employee Injury Coverage 

• • Medical expenses for work-related injuries and illnesses 

• • Lost wage replacement during recovery periods 

• • Rehabilitation and physical therapy costs 

• • Permanent disability benefits when applicable 

• Employer Protection Benefits 

• • Protection against employee lawsuits related to workplace injuries 

• • Compliance with state-mandated coverage requirements 

• • Risk management and safety program resources 

• • Claims management and return-to-work assistance 

Commercial Property Insurance 

Tivly can connect you with all types of business insurance, including general liability, commercial property and workers’ compensation insurance, providing comprehensive property protection for business assets and operations. 

• Physical Asset Protection 

• • Building and structure coverage for owned or leased properties 

• • Business personal property including equipment, inventory, and furniture 

• • Loss of income coverage during property damage repairs 

• • Additional expense coverage for temporary relocation costs 

• Comprehensive Perils Coverage 

• • Fire, lightning, windstorm, and hail damage protection 

• • Theft, vandalism, and malicious mischief coverage 

• • Water damage from burst pipes or roof leaks 

• • Equipment breakdown and mechanical failure protection 

Professional Liability Insurance 

Professional liability insurance coverage is a type of business insurance policy that pays damages where the business didn’t provide professional services. This coverage is essential for service-based businesses and professionals who provide advice or expertise to clients. 

• Professional Service Protection 

• • Errors and omissions in professional service delivery 

• • Negligent acts or failure to perform professional duties 

• • Breach of professional duty or fiduciary responsibility 

• • Defense costs for professional malpractice claims 

• Industry-Specific Coverage Options 

• • Technology and cyber liability protection 

• • Healthcare professional liability coverage 

• • Legal and financial services professional protection 

• • Consulting and advisory services coverage 

Commercial Auto Insurance 

Business insurance covers your business against property damage or theft and covers you if you’re sued for negligence or if any of your employees are involved in an accident while using business-owned vehicles. 

• Vehicle Coverage Options 

• • Commercial vehicle liability protection 

• • Physical damage coverage for business vehicles 

• • Hired and non-owned vehicle protection 

• • Commercial auto medical payments coverage 

• Business Use Protection 

• • Employee use of personal vehicles for business purposes 

• • Fleet management and multi-vehicle discounts 

• • Commercial use classification and appropriate coverage levels 

• • Cargo and equipment coverage for specialized vehicles 

Membership Benefits and Discounts

Based on available information, Tivly Insurance does not appear to offer a traditional membership program with tiered benefits. Instead, the company focuses on competitive base pricing and volume discounts for certain policy types. However,

Tivly’s marketplace model creates inherent advantages for business customers through their extensive carrier network and competitive positioning: 

• Multi-Carrier Comparison Benefits 

• • They partner with 250+ top-rated insurance providers to quickly match small businesses with the right coverage 

• • Simultaneous quote generation from multiple carriers 

• • Competitive pricing through carrier competition within the marketplace 

• • Access to specialized carriers for unique business risks 

• Professional Service Advantages 

• • Expert guidance in carrier selection and coverage optimization 

• • Risk assessment and coverage gap analysis 

• • Ongoing policy management and renewal assistance 

• • Claims advocacy and support throughout the process 

• Technology Platform Benefits 

• • Streamlined online quote generation and policy management 

• • Digital certificate of insurance generation and distribution 

• • Automated renewal notifications and policy updates 

• • Mobile-friendly platform for on-the-go access 

• Carrier Network Advantages 

• • Access to exclusive carrier programs and pricing 

• • Preferred pricing through volume relationships 

• • Enhanced underwriting consideration through established partnerships 

• • Expedited policy issuance and processing 

• Business Growth Support 

• • Scalable coverage options that adapt to changing business needs 

• • Industry-specific expertise and specialized coverage recommendations 

• • Risk management resources and loss prevention guidance 

• • Business expansion coverage consultation and planning 

How the Insurance Process Works

1. Initial Quote and Application Process 

Tivly starts with a streamlined digital platform designed to simplify commercial insurance for busy business owners. The process begins with online quote generation, where businesses complete user-friendly forms that gather comprehensive information and include risk assessment questionnaires tailored to specific industries. This enables Tivly to deliver instant preliminary quotes from multiple carrier partners, with side-by-side comparisons of coverage and pricing. 

Next comes the professional consultation phase. Here, Tivly’s licensed agents review your business needs and risk exposures to offer customized coverage recommendations. They clearly explain policy differences across carriers and guide you in selecting appropriate coverage limits and deductibles for your industry and business size. 

The process continues with application completion and underwriting. Tivly submits detailed applications to your chosen carriers and coordinates any additional information requests from underwriters. Their established carrier relationships help expedite the underwriting review, with Tivly professionals advocating for your interests every step of the way. 

2. Policy Management and Customer Service 

Once your policy is active, Tivly remains involved with ongoing support to keep your coverage in sync with your business. Their account management services include access to live agents Monday–Friday from 7 AM–8 PM CT and Saturdays from 7 AM–7 PM CT. Dedicated representatives assist with policy questions and modifications, while their online portal offers 24/7 access to documents and certificates. They also manage renewals proactively to avoid any coverage gaps. 

When your business changes, Tivly helps you stay protected with policy modification and update services. This includes processing for expansions, adding locations, adjusting coverage limits, managing endorsements, updating employee counts and payroll, and changing beneficiary or entity details. 

Their certificate and documentation services are prompt and thorough. You can quickly generate certificates of insurance for clients or vendors, manage additional insured endorsements, store documentation digitally, and ensure compliance with regulatory requirements. 

3. Claims Support and Advocacy 

Although Tivly doesn’t process claims directly, they provide strong support during the claims journey. Their claims reporting assistance helps you follow proper procedures and timelines, coordinate with carrier claims departments, and organize necessary documentation. They’ll guide you through the initial consultation and explain the claims process in detail. 

If the claim becomes complex, Tivly offers claims advocacy services. This includes regular follow-up with the carrier, support in resolving disputes, and expert guidance on negotiating settlements—all aimed at ensuring a smoother experience for your business. 

After a claim, Tivly doesn’t just move on—they conduct post-claims analysis to help prevent future losses. This includes reviewing what went wrong, recommending mitigation strategies, adjusting coverage if needed, and analyzing the impact on premiums and carrier relationships. 

Financial Ratings and BBB Insights

Better Business Bureau Accreditation and Ethical Standing 

Tivly holds an A rating with the Better Business Bureau (BBB) and has been accredited since 2010, reflecting a long-standing commitment to ethical practices and customer service. This accreditation signals Tivly’s consistent ability to resolve customer complaints and operate transparently in the competitive insurance marketplace. 

Key factors contributing to Tivly’s BBB standing include: 

• Effective complaint resolution through clear processes 
• Transparent communication about services, fees, and carrier relationships 
• Adherence to ethical standards in advertising and client engagement 
• Operational longevity, with over 14 years of continuous BBB accreditation 

Industry Recognition and Market Position 

Tivly was named among the Top 10 Workers’ Compensation Insurance Services Companies of 2024 by Insurance Business Review, a recognition that underscores its deep specialization and leadership in the commercial insurance space. 

This award validates Tivly’s: 

• Leadership position in a competitive industry 
• Specialized expertise in workers’ compensation insurance 
• Commitment to innovation and service excellence 
• Reputation as a trusted, client-focused provider 

Financial Strength of Carrier Network 

Tivly partners with over 200 insurance carriers, including many with top-tier financial ratings. These carriers are vetted for financial strength and long-term stability, giving customers confidence that their policies are backed by providers with solid performance records. 

Key financial indicators from Tivly’s partner network: 

• AM Best Ratings of A++ (Superior) and A+, indicating strong financial health 
• Diversified risk exposure by offering multiple carrier options per coverage need 
• Partnerships with major names like Progressive, The Hartford, and Liberty Mutual 
• Ongoing due diligence to monitor financial performance and solvency 

Agency Height: Your Trusted Insurance Partner

When it comes to protecting your business, expert guidance matters. Agency Height is a top-tier insurance agency offering personalized service and tailored commercial coverage to meet your unique needs. 

Our licensed professionals bring deep industry knowledge and a commitment to long-term client relationships—ensuring your coverage evolves with your business. We combine technology and human insight to simplify the insurance process without losing the personal touch. 

Whether you’re using a marketplace like Tivly or exploring direct options, Agency Height provides the expertise, support, and advocacy you need to make confident, informed decisions. 

Conclusion

Tivly offers a smart, time-saving solution for small to medium-sized businesses seeking commercial insurance. By connecting users with over 200 top-rated carriers through a streamlined platform, Tivly makes it easy to compare options, secure competitive pricing, and get professional guidance without the usual hassle. 

Customers praise Tivly for being “easy and straight to the point,” and the company’s strong BBB rating and industry reputation back that up. The marketplace model suits businesses seeking standard coverage types and cost efficiency—especially those without in-house risk management. 

However, companies with highly specialized coverage needs may find Tivly’s offerings somewhat limited and may need to look beyond the platform for niche policies. 

For business owners who value speed, convenience, and expert support, Tivly delivers meaningful value. But as with any insurance decision, consulting a knowledgeable advisor can ensure your coverage truly fits your unique risks and growth plans.