Two Waters Policy Services

Understand Which Commercial Insurance Coverages Fit Your Business

Commercial insurance can feel overwhelming. This guided workbook asks simple, plain-English questions about your day-to-day operations and highlights only the specific coverages connected to your answers.

Tailored Results

Clear, transparent rule logic that explains exactly *why* a coverage topic appeared based on your operational activities.

Strictly Private

Answers stay saved locally in your browser. We never ask for SSNs, tax IDs, banking information, or policy numbers.

Agent Discussion Guide

Generates actionable conversation starters and a printable summary report to bring to your agent review with Michael.

Permitted General Information We Ask

  • •Broad industry category and core operational activities
  • •Approximate employee count ranges (0, 1-5, 6-25, etc.)
  • •Whether physical premises are owned, leased, or field-based
  • •General operational exposures (driving, tools, alcohol, digital data)
  • •Target policy renewal month (optional)

Sensitive Data We NEVER Request

  • ✕Social Security Numbers or Employee EIN details
  • ✕Exact gross revenue, payroll, or bank account numbers
  • ✕Employee names, medical records, or claims history details
  • ✕Existing policy numbers or confidential client rosters