# Small business coverage, embedded inside the software they already run on
> Insurance for commercial businesses. A Business Owners Policy (BOP) embedded into the software your customers already use to run the company, workers' comp attached to payroll, and miscellaneous professional liability priced per profession. One API, every line, every state.
Canonical URL: https://www.sureapp.com/industries/commercial
Industry slug: commercial
Category: undefined
## Key metrics

- 12min — Median time from account-authorize to bound BOP for a small business on Sure.
- 48% — Add-on attach rate when coverage is surfaced inside payroll at onboarding.
- 140+ — Profession-specific Misc. PL filings, priced per NAICS code and revenue band.
- 22days — From kickoff to first bound BOP in a new commercial integration.

## Coverage that lives inside the tools your customers already run their business on

Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces.
### 01. Embed a BOP inside accounting and payroll software
Small-business owners already have their revenue, payroll, and NAICS code in their accounting or payroll software. Surface a bindable BOP there, pre-filled from that data, priced in real time, bound in one click.
- Pre-filled applicant from the host accounting or bookkeeping system.
- GL + property + BI in one policy, issued as one PDF.
- Automatic endorsements as revenue changes.
### 02. Workers' comp attached to the payroll file
Embed workers' comp inside modern payroll platforms, priced against the live payroll file, endorsed automatically as the team grows, reconciled against the employer's bordereau every pay run.
- Pay-as-you-go pricing. No annual true-up.
- Class-code detection from job titles.
- Automatic endorsement on each payroll run.
### 03. Misc. PL priced per profession, per revenue band
For the consultants, the designers, the bookkeepers, the marketers. Sure's miscellaneous professional liability has 140+ profession-specific filings, each priced per revenue band and scope of work.
- NAICS-code aware pricing. Filed per state.
- Errors & Omissions + Cyber + Network Liability available.
- Certificate-of-insurance issued in one API call.

## Built into the software small businesses already use

Prebuilt connectors for the systems the commercial industry actually uses. Drop in a handful of keys. Skip the integration tour.
- QuickBooks / Xero — Revenue, payroll, NAICS pre-fill.
- Gusto / Rippling — Payroll-as-the-premium-source.
- ADP / Paychex — Large-employer WC, endorsed per run.
- Square — Merchant-scoped GL and BOP.
- Stripe / ACH — Premium collection, merchant-aware.
- Model Context (MCP) — Agents can quote, bind, issue COIs.

## Compliance

- 50 states + DC, PR
- NCCI + state WC rate bureaus
- NAICS-aware filings
- SOC 2 Type II
- SHA-256 ledger · per policy

## Put a BOP in every small-business software account

Learn more about how Sure can launch your commercial program in weeks, not months.
Primary action: Book a walkthrough