Search by class and state to find direct quote options — or submit accounts for underwriting review.
⚡ Digital = instant quote & bind online · Direct = in-house underwriter review, 24–48 hour answer
Search runs on INVO's real v28 Carrier Tagging dataset (provided by Russ Rymer 7/24) with the tire-dealer v29 preview fix applied. Ranking implements the Explicit-first / Verify-Appetite spec.
One appointment opens six divisions — digital-first where speed wins, underwriter-driven where expertise matters.
Flagship Division · 26 Markets
Quote, issue and bind small-to-mid commercial risks online in minutes. Real-time appetite across our digital carrier panel — no email chains, no waiting.
Home, dwelling fire, auto and umbrella through admitted and E&S markets.
Digital quoting for standard classes, direct underwriting for tough ones. ACORD 130 in, quote out.
Local and intermediate trucking, fleet auto liability, physical damage and motor truck cargo.
Purpose-built workers' comp and liability program for staffing and PEO risks that standard markets decline.
Hard-to-place and E&S risks with direct access to specialty underwriters who actually want them.
WC is what INVO is known for — the accounts other markets decline are the ones our in-house comp underwriters work every day.
40+ carrier & program partners — every logo below is a live INVO market. Admitted, E&S and specialty programs under one appointment.
Describe any risk in plain English — get the class code, every eligible market, and your next step. Real-time appetite, continuously ingested from carrier guides.
Digital-eligible risks quote and bind online in minutes across the carrier panel — one entry, side-by-side options, no portal-hopping.
Complex and hard-to-place accounts route to named in-house underwriters — a real answer in 24–48 hours, never a black hole.
ClassifyIQ is INVO’s in-house classification engine: find the right classification before you submit. One plain-language search returns likely Workers’ Comp, General Liability, NAICS and SIC codes — and the new site embeds it right beside the Appetite Agent.
Enter the risk once. INVO routes it to the fastest path to a bindable quote.
Upload your ACORD once — no re-keying the same account into five carrier portals.
The appetite agent routes the account to the markets that actually want it — no blind submissions.
We identify the required supplementals up front, so your submission arrives complete the first time.
Digital-eligible risks quote instantly; underwriter reviews answer in 24–48 hours. Bind and track it all in the portal.
“I love the one-stop shop to find the right market.”
Appointed independent agency partnerBuilt by underwriters who got tired of slow markets and black-box submissions.
Standard classes quote and bind online in minutes — not days. Compare eligible carriers side by side.
In-house underwriters — not a submissions inbox — work your complex risks and answer the phone.
Get appointed once, use the markets you need. No premium minimums to keep your access.
Direct submissions get a real response — quote, questions or a fast no — within two business days.
ClassifyIQ shows you which markets want the risk before you submit — no more blind submissions.
Workers' comp, transportation and staffing specialization — StaffShield and our E&S programs answer the risks everyone else declines.
New to INVO? Here's what retail agents ask most. Need more? Our agent service team picks up the phone.
Call 833-777-2453You keep the client and the renewal. INVO provides the market access and underwriting advocacy — and where a risk needs surplus lines (E&S) paper, INVO holds the licensing and handles the filings. Wholesale distribution is an established, regulated channel of the commercial market (see the Wholesale & Specialty Insurance Association), and mod-driven comp placements follow NCCI's Experience Rating Plan rules wherever they land — so the story your submission tells is the pricing input.
Complete the Get Appointed application online in about 10 minutes. You'll need your agency license, E&O certificate and W-9 — licensing is verified against your state insurance department's records (in INVO's home state, the Tennessee Department of Commerce & Insurance). Most appointments are approved within 1–2 business days, there are no fees or volume commitments to hold the appointment, and you get immediate access to the digital marketplace and agent portal.
Digital markets return bindable quotes instantly through the agent portal — enter the risk once and compare eligible carriers. That's the lane for mainstream classes with clean stories. Direct markets route your submission to INVO's in-house underwriters, who typically respond within 24–48 hours — the lane for high mods, new ventures, lapsed coverage and specialty classes, where the file needs a human to argue for it. One appointment covers both, and the same submission can move from digital to direct if the risk turns out to need underwriting.
Commercial lines (BOP, general liability, property, cyber, professional), personal lines (home, dwelling, auto, umbrella), workers' compensation, transportation and trucking, and temp staffing through our StaffShield program — across 40+ carrier partners, on admitted or surplus lines (E&S) paper depending on what the risk needs. E&S is the regulated specialty channel for risks the admitted market declines — the Wholesale & Specialty Insurance Association (WSIA) represents that market — and when a placement lands there, INVO holds the surplus lines licensing and handles the filings.
Send an ACORD 130 and currently valued loss runs to submissions@invounderwriting.com. Digital-eligible classes can quote same day; direct submissions are reviewed by in-house workers' comp underwriters with a typical 24–48 hour turnaround. For high-mod accounts, include the experience rating worksheet: under NCCI's Experience Rating Plan, every claim splits into a heavily weighted primary portion (frequency) and a lightly weighted excess portion (severity) — which is exactly how our underwriters will read the mod, so a file that separates one shock loss from a frequency pattern prices better.
ClassifyIQ is INVO's AI appetite engine. It ingests carrier appetite guides, maps a plain-English business description to the right class code, and instantly shows which INVO markets want that risk in your state — so you stop guessing and start submitting to carriers that will actually quote. Getting the class right up front matters twice: it decides which markets will even look at the risk, and class assignment is the base of the comp rating formula, so a misclassified submission gets repriced at audit.
Yes — surplus lines is a long-established, regulated specialty channel, not a gray market. E&S carriers must meet each state's surplus lines eligibility requirements, placements are made through licensed surplus lines brokers who handle the state filings and taxes, and the national trade body for the channel is the Wholesale & Specialty Insurance Association. For hard-to-place accounts, E&S paper is frequently the difference between covered and uninsured — and as the wholesaler, INVO carries the surplus lines licensing so your agency doesn't need to.
Market updates written for producers — what's opening up, what's tightening, and where to place it.
Where declined risk is going — staffing, trucking, home healthcare and high-hazard construction, built on federal injury, fatality and employment data.
Why standard markets decline staffing, what StaffShield covers, and the exact submission checklist — ACORD 130, loss runs, placement mix.
High mods, new ventures, lapsed coverage, aviation, oil & gas, home healthcare — how one submission reaches 30+ comp markets before assigned risk.
Coverage requirements, the assigned-risk fallback, and the hardest TN classes to place — from the wholesaler headquartered in Oak Ridge.
Who holds binding authority, how each intermediary gets paid, and when to use a program vs open brokerage — in plain English.
Scope, the misclassification traps that blow up audits, and current appetite for drivers & helpers — new authorities included.
The newsroom format — every carrier add, state opening or class change becomes a post, an agent email, and a syndicated announcement.
Headquartered in Oak Ridge, Tennessee — serving appointed agents in all 50 states.
Free · no volume commitments · approved in 1–2 business days
Averi Williams · Business Development & Agent Support · 865-425-7411
ACORD apps + loss runs · answered in 24–48 hours · Mon–Fri 8:30–5:00 ET
Suite A-500
Oak Ridge, TN 37830
