Commercial InsuranceLive Transfers

Overview

What Commercial Insurance Live Transfers is

Commercial Insurance Live Transfers are consumers qualified by our team and warm-transferred to your agents, generated by Altarious Global performance campaigns and delivered to your business in real time. Connect business owners seeking commercial property, liability, auto and workers' compensation coverage with licensed commercial agents.

Live Transfers bring underwriting appetite into the qualification step. Our team confirms the business's state, industry class, revenue band, employee count, vehicles and the coverages requested before warm-transferring the owner to a producer, so accounts outside the agency's appetite, such as excluded classes or oversized risks, are filtered out in advance. This is valuable for agencies that specialise in particular niches, such as contractors, trucking or hospitality, because the pre-screen ensures each transfer is a prospect they can actually place, improving producer efficiency and close rate.

This product is suited to insurance businesses with a team ready to answer during defined hours, a clear view of the consumer they want, and the capacity to convert a live conversation. The acquisition objective is simple: put your team in front of commercial insurance consumers at the moment they are deciding.

Target consumer

Owners, partners and operations managers of small and mid-sized businesses across contracting, trucking, hospitality, retail, professional services and light manufacturing. The highest-value segments are contractors and fleets that need coverage to satisfy a contract or DOT requirement, new businesses placing their first policy, and established firms consolidating multiple lines at renewal.

Consumer intent

Typical intent signals include: searching for business liability, commercial auto or workers' comp quotes; needs a certificate of insurance for a contract, lease or license; renewal received with a premium increase or reduced coverage; recently hired employees, triggering workers' compensation requirements.

How live transfers are generated

Consumers are acquired through performance campaigns targeting searches such as "commercial insurance quotes" and "general liability insurance for contractors", plus social and comparison placements. Interested consumers speak with our qualification team before any transfer is attempted.

Qualification approach

Qualification is configured to your appetite. Standard commercial insurance criteria include: active business located in a state the agency is licensed to write; industry class and primary operations confirmed; approximate annual revenue and number of employees stated; lines of coverage needed identified, such as gl, property, auto, workers' comp or bop; current coverage status and renewal date captured; owner or authorised decision maker requesting a quote.

Delivery process

Once qualified, the consumer is bridged directly to your designated number or queue with a warm introduction. Delivery runs only during your operating hours with daily caps, and you can pause or adjust criteria at any time.