INSURANCE CARRIER
Forge Small Business Commercial Insurance
Tech-enabled small business coverage for digital businesses, online retailers, and consultants.
Commercial Lines - Small Business
- File a claim 202-547-8700 · Mon-Fri 8am-6pm ET
- Online Account & claims portal
- After hoursOnline claim form at forgeinsurance.com/claims accepts submissions 24/7. Email [email protected]. Claims phone 202-547-8700 select option 0 during business hours.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Forge is a tech-enabled commercial carrier focused on small business owners policy and general liability for low-hazard business classes, using automated underwriting to deliver fast quotes without the manual back-and-forth of traditional markets.
The platform is built for businesses that operate primarily online or with minimal physical exposure, e-commerce shops, software companies, consultants, digital marketers, and small service firms. For those classes, Forge's pricing tends to land sharper than legacy carriers that price conservatively across a broad range of risk types.
Qualifying classes may also access professional liability coverage through the same platform, keeping the policy count low for businesses that need both general and professional protection. Available through Olive Cover for eligible Georgia small businesses.
Strengths
What This Carrier Does Well
Tech-enabled underwriting platform produces fast quotes for Georgia digital businesses and online retailers.
Sharp pricing on low-hazard tech small business coverage relative to traditional carriers.
Available with no minimum volume requirements.
Limitations to Know
Where They Fall Short
Newer carrier with shorter claims track record than established commercial carriers.
Limited appetite outside tech-enabled and low-hazard small business classes.
Appetite is limited to qualifying low-hazard classes; accounts with any physical product, manufacturing, or field service component may not qualify
Right Fit
Who They Are Best For
Best Fit For
Tech-enabled small businesses including online retailers, e-commerce, software companies, consultants, digital marketers, and small service businesses with low physical exposure who need streamlined business coverage and faster quotes.
Not a Good Fit For
Standard commercial businesses that qualify for admitted market coverage. Forge is a surplus lines option for non-standard and specialty commercial risks.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Small Business
- Coverage Types
- Small business package, general liability, professional liability (qualifying classes)
- States Available
- Available in select states including Georgia
- Commercial Lines States
- Available in select states including Georgia
- Max Business Revenue
- Core appetite small business under $25K GWP per account
- BOP Appetite
- Writes tech-enabled small business package policies and general liability for qualifying low-hazard classes. Optimized for online quote and bind.
- Industry Classes
- E-commerce, online retailers, software, consultants, digital service businesses, small professional services with low physical exposure
Pricing & Claims
What to Expect
Best Pricing For
Tech-enabled small businesses with low physical exposure. Most competitive for Georgia online retailers, e-commerce, software companies, consultants, and digital service businesses.
Pricing Context
Forge is a competitive option in the specialty/surplus lines market for specialty commercial placements where admitted carrier options are unavailable or provide inadequate coverage terms. Businesses using Forge often benefit from faster underwriting and lower premiums for low-hazard profiles.
Claims Experience
Digital claims process oriented around the small business segment. Newer carrier than Hartford or Travelers; claims track record is shorter but adequate for the low-hazard small business risks they target.
Admitted Status: Admitted in Georgia
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
What types of small businesses does Forge Insurance target?
Forge targets low-hazard tech-enabled small businesses: e-commerce, software, digital consultants, and online retailers with fast automated underwriting.