Expanding Commercial Lines
Build a commercial workflow that scales with you.
Commercial accounts carry more paper, more people and more markets than a personal lines household. Mint is building the workspace for them: the account, its locations and schedules, the submission and the renewal, in one place.
In developmentConcept screen with sample data. The commercial accounts workspace is being built with early access agencies.
Policies
- General liability$1M / $2M · X-date Mar 1$7,850
- Commercial auto8 units · X-date Mar 1$21,400
- Workers’ compTX · 14 employees · X-date Jul 15$9,960
- Umbrella$2M · X-date Mar 1$2,380
Locations
- 4120 Doniphan Dr, El Paso, TXShop and yard · 6 vehicles garaged
- 860 N Telshor Blvd, Las Cruces, NMBranch office · 2 vehicles garaged
GL renewal · submission
- Market AQuoted · $7,420
- Market BLoss runs requested
- Market CDeclined · class
Schedule of vehicles
8 units- #042022 Ford F-250VIN …8812
- #072021 Ram 3500VIN …4407
- #112023 Ford Transit 250VIN …1965
Why commercial is different
A household is a record. A business is an account.
One insured, five policies, three effective dates and a schedule that changes every time they buy a truck. Commercial work breaks systems built around a single auto policy.
Many lines, one insured
GL, BOP, commercial auto, workers’ comp and umbrella, often with different carriers and different X-dates.
Schedules that move midterm
Vehicles, drivers, locations and equipment get added and deleted all year, and every change is an endorsement.
Paper before a price
Applications, supplementals, five years of loss runs and payroll by class code before a market will look at it.
Certificates on demand
General contractors, landlords and lenders all want a certificate of insurance, and they want it today.
Account structure
Business, locations, policies, contacts. In that order.
The account sits on top. Under it, every location with what is garaged and stored there, every policy with its carrier and X-date, and the people you actually deal with: the owner, the office manager who asks for certificates, the accountant who handles the payroll audit.
Locations
- Shop and yard · El Paso, TX
- Branch office · Las Cruces, NM
Policies
- GL · commercial auto · umbrella, X-date Mar 1
- Workers’ comp, X-date Jul 15
Contacts
- Owner · signs applications
- Office manager · certificates
- Accountant · payroll audit
Submissions and markets
Know where every submission stands.
Send the same account to three markets and you have three conversations: one quoted, one wants loss runs, one declined on class. The submission tracker keeps them on the account instead of in your sent folder.
- Market ASent Nov 4Quoted
$7,420 · $1M / $2M · $2,500 deductible
- Market BSent Nov 4Info requested
5-year loss runs and the HVAC supplemental
- Market CSent Nov 5Declined
Class outside appetite: rooftop work over three stories
- 01
Build the submission
Application, supplementals, loss runs and schedules, pulled from the account.
- 02
Send it to markets
Pick the markets that write the class and track each one separately.
- 03
Work the responses
Information requests become tasks. Declinations keep their reason.
- 04
Compare and bind
Quotes side by side, then bind, issue and bill from the account.
- In developmentConcept screen. Market names are placeholders.
Applications and forms
Fill the application once. Not once per market.
Upload the ACORD-style applications and carrier supplementals your agency already uses, and map each field to client data one time. Mint fills what it knows, your team answers the rest, and the finished PDF is filed on the client.
- Fillable PDFs are read field by field; flat PDFs get boxes you draw
- Each published version stays as it was, so an old application can be rebuilt
- Your library is yours: Mint does not ship carrier forms
- Applicant nameFranklin Mountain Mechanical, LLC
- Mailing address4120 Doniphan Dr, El Paso, TX 79922
- Business phone(915) 555-0142
- Proposed effective date03/01/2027
- Subcontracted work, % of receiptsAgent answers
4 of 5 fields filled from the client record
Renewal pipeline
Start the renewal 120 days out, not 30.
A commercial renewal is a project with a deadline. The pipeline works back from the X-date so loss runs are in, exposures are updated and the account is remarketed before the carrier’s renewal offer shows up.
- 120 days
Gather
Request loss runs. Update payroll, revenue and schedules.
- 90 days
Remarket
Supplementals signed. Submissions out to markets.
- 60 days
Compare
Quotes back next to the renewal offer.
- 30 days
Propose
Proposal to the insured. Bind orders out.
- X-date
Issue
Policies issued. Certificates to holders.
Today and next
What your commercial clients get on day one.
We would rather tell you exactly where the line is. The commercial workspace is being built with agencies in early access; everything on the left already works for your business clients.
Working today
Available- Business clients with every policy, carrier, term and premium on one record
- Documents on file, with missing documents and their due dates
- Mint Forms for applications and supplementals
- Tasks with an owner, a due date and the client attached
- Email from your agency’s address, filed on the client
Coming in the commercial workspace
In development- Accounts with locations, contacts and roles
- Schedules of vehicles, drivers and equipment
- Submissions to markets with status and declination reasons
- Quotes side by side, binding, issuance and billing
- A renewal pipeline that works back from the X-date
Reporting
See how much of the book is commercial.
General liability and commercial already show up as their own lines of business, next to premium by carrier, by producer and by status. Watch the mix move as you write more.
Everything in the Mint AMS
Questions
What commercial producers ask
Can we put our commercial clients in Mint today?
Yes. A business is a client in Mint with its policies, documents, tasks, email and activity, and your commercial lines show up in reports. Locations, schedules and submissions arrive with the commercial workspace.
Does Mint send submissions to carriers electronically?
Not today. The submission tracker in development records where each market stands on the account. We do not claim connections to carriers or markets that do not exist.
Can Mint fill our applications and supplementals?
Yes. Upload the PDF once, map each field to client data, and Mint fills what it knows. Your team answers the rest, and the document is filed on the client.
Can we help shape the commercial workspace?
That is what early access is for. Agencies that write commercial tell us how they work an account, and that is what we build next.
Bring us your hardest commercial account.
We will walk through how Mint handles it today and what the commercial workspace adds.