Clad

Hand off the work.Keep the book.

Clad services your smallest commercial accounts end to end, under your brand. You stay broker of record — no software to adopt, no staff to add.

See the economics
STAFFED BY CLADNOTHING TO INSTALL
Clad
YOUR BOOK
Harbor & Maine Insurance
1,418 ACCOUNTSBROKER OF RECORD: YOU
  • Bayview Dental
    Renewal bound & filed
    Renewed
  • Cedar Transport
    3 carrier quotes — best bound
    Bound
  • Harbor Yoga Co.
    Certificate issued same day
    COI sent
  • Knightshift Health
    Renewal bound & filed
    Renewed
  • Marrow & Twine Café
    Submission packaged, quotes out
    Quoted
  • Gullwing Boatworks
    Endorsement issued & filed
    Updated

The small commercial book atruns on Clad today.

$1.0M+PREMIUM PLACED
93POLICIES BOUND
18CARRIER MARKETS

Every brokerage has accounts that bleed servicing cost.

Below a certain premium, an account costs more to service than it returns — so the smallest accounts get the newest hire, the offshore queue, the voicemail, and costs that keep adding up.

UNIT ECONOMICS BY ACCOUNT SIZESERVICED IN-HOUSE
≈$0
profit on a $1,000 account, serviced in-house

Plot the book by account size and the mass piles up at the small end — left of break-even. Most of your accounts, unprofitable to service in-house.

No software to adopt. No staff time to spend.

You make one move. We do the work. The book stays yours.

Meridian Logistics$12,400
Beacon Manufacturing$8,200
YOUR CUTOFF
Bayview Dental$1,240→ CLAD
Harbor Yoga Co.$740→ CLAD

Hand off your least profitable accounts.

Pick the cutoff. Everything under it moves to Clad — that's the whole migration.

FROMHarbor & Maine Insurance
TOBayview Dental
REYour renewal is ready
PREPARED BY CLAD

We service it as you.

Quotes, renewals, certificates, claims intake — under your brand, on your paper.

Broker of recordYOU
CommissionYOURS
RenewalsYOURS
The relationshipYOURS

You keep the book.

Broker of record, renewals, commission: yours throughout, and after.

Your worst book becomes your best margin.

Hand the tail to Clad and 60% of every commission dollar comes back to you as margin — with retention climbing, because the service actually gets better.

≈ $0
PROFIT
100%COST TO SERVE
$1,000 COMMISSION
SERVICED IN-HOUSE
$600
PROFIT
60%YOUR PROFIT
40%CLAD COMMISSION
SHARE
$1,000 COMMISSION
SERVICED BY CLAD

SAME ACCOUNTS · SAME PAPER · SAME BROKER OF RECORD

Staffed and managed, end to end.

Clad assigns every account a dedicated account executive, paired with Sully, our AI — working on your carrier appointments, with E&O and compliance covered. Your org chart doesn't add a seat.

MORE ACCURATE
99.4%
intake accuracy — vs ~88% by hand
FASTER
95.7%
reduction in account processing time
HAPPIER CLIENTS
+24 NPS
client satisfaction since moving to Clad
ACCOUNT EXECUTIVES

A dedicated human on every account.

SULLY — THE AI

Works the book 24/7.

E&O & COMPLIANCE

Covered end to end.

YOUR MARKETS

Your appointments, your rates.

WHAT CLAD IS NOT

Not software to roll out.Not a BPO.Not a call center.

Clad is your newest small-business unit — staffed by us, wearing your brand, answering to you.

“I very much appreciate everything you did for me over the past two weeks. It won't be forgotten.”
Jim Accorsi — an insured serviced by Clad under his brokerage's brand

Start with your worst accounts.

Carve out a slice of the book and we'll run it. Fixed window, broker of record stays yours, no lock-in — keep what works.