01
Commercial Auto & Fleet
Liability, physical damage, hired and non-owned exposure, and excess layers for fleets from five vehicles to five hundred. Telematics-informed pricing where carriers will credit it.
Services
Every line we place, and how we place it.
Fortwell is a full-service commercial brokerage. Most clients start with one line and consolidate the rest once they see the difference in the paperwork.
02
General Liability
Premises and operations, products and completed operations, and additional insured endorsements matched to your contract obligations rather than a generic template.
03
Workers' Compensation
Class code auditing, experience modification review, and return-to-work program design. We frequently recover premium clients did not know they had overpaid.
04
Commercial Property
Buildings, equipment, tenant improvements, and business interruption written on replacement cost with valuations we actually stress test before binding.
05
Cargo & Inland Marine
Motor truck cargo, warehouse legal liability, and contractor's equipment floaters for goods and tools in transit or stored off site.
06
Cyber & Professional
First and third-party cyber liability, errors and omissions, and directors and officers coverage for organizations carrying data or advisory exposure.
07
Umbrella & Excess
Additional limits above your primary auto, general liability, and employer's liability towers — critical when contracts demand higher limits than the primary provides.
08
Employee Benefits
Group medical, dental, vision, and voluntary benefits structured to compete for drivers and technicians in tight labor markets.
09
Surety Bonds
Contract, commercial, and license bonds for contractors and businesses that need surety backing to bid, perform, and comply with project requirements.
Our process
Four stages, roughly three weeks.
Stage 1
Discovery
We review current policies, loss runs, contracts, and operations to establish where you're actually exposed.
Stage 2
Marketing
Your submission goes to the carriers most likely to price it well, presented the way an underwriter wants to read it.
Stage 3
Placement
You get a side-by-side comparison with exclusions listed plainly, not a single recommendation to rubber stamp.
Stage 4
Service
Certificates, endorsements, claims advocacy, and a renewal strategy that starts ninety days out.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more