Trust · Form BQ-900
Editorial standards
BizQuoted is the underwriter’s worksheet handed to the owner-operator. Here’s how we research it, who writes it, and the rules we hold ourselves to.
What we are — and what we’re not
BizQuoted's editors are researchers, not licensed insurance agents or brokers. We don't sell insurance or give individualized advice — confirm specifics with a licensed agent in your state.
We don’t sell insurance, quote policies, or earn a commission on a premium. We publish research: we read the policy forms, carrier appetite guides, and published rate data, then explain them in plain English and route your quote intent to marketplace partners. That independence is the point — we cite what sellers publish, but we rank options by your situation, never by what pays us.
How we handle numbers
Every dollar figure on this site is a published typical range with a named source and an as-of date — never a quote, never an invented statistic. A figure without a source doesn’t ship. Ranges are framed by what actually moves them: payroll, class code, coverage limits, deductible, claims history, and state. Where a cost has no honest flat range — commercial auto, cyber — we say so instead of making one up. Read the full methodology.
How we handle money
Some links go to insurance marketplaces and carriers; if you start a quote through one, we may earn a commission at no extra cost to you. We only place a link where a partner exists, we mark carriers by name only (no logos or brand-colored buttons), and we never reorder a recommendation for a commission. Carriers we rank honestly even when we can’t link to them.
Corrections & currency
Statutes and rate filings change. Money pages carry a last-reviewed date, and when a rule or a state fund updates, the coverage checker’s data and the affected pages move together. Spot something out of date? Tell us and we’ll fix it.
Who writes BizQuoted
Research-framed editors, with zero credential or license claims — exactly what our register requires.
Maya Trent
Lead Coverage Analyst · Coverage explainers, carrier reviews and comparisons, cost guides
Maya leads BizQuoted’s coverage research. She reads the policy forms, carrier appetite guides, and published rate data behind every page on this site, and she has compared the quote flows and public pricing disclosures of 25+ small-business carriers and marketplaces using the BizQuoted worksheet methodology.
Her standard for a finished page is simple: a first-time buyer should be able to read a declarations page without a translator. Every figure she publishes carries its source and an as-of date, and every recommendation is framed by buyer situation — trade, state, headcount — rather than by star ratings.
Dan Reyes
Trades & Compliance Editor · Trade roundups, state requirements, COI and claims how-tos, checker data
Dan maintains BizQuoted’s by-trade and by-state requirement tables, tracking workers’-comp statutes, bond rules, and state DOI bulletins across all 50 states from primary sources. His beat is the paperwork layer of small-business life — certificates, audits, class codes, claims — and what a cleaning crew or a handyman actually gets asked for before a contract is signed.
He keeps the coverage checker’s state and trade data current, with every table carrying its last-reviewed date. When a statute changes or a state fund updates its rules, the checker data and the affected pages move together.