Prospekteer is a commercial insurance prospecting platform built exclusively for independent agencies. It combines verified business data, real-time risk signals, AI-generated conversation briefs, and renewal radar to help producers know who to call, why to call them today, and exactly what to say before they pick up the phone.

How is Prospekteer different from a lead list?

Lead lists give you names and phone numbers. Prospekteer is a prospecting engine — every prospect arrives pre-loaded with risk signals, an estimated renewal window, likely coverage gaps, and an AI-written cold opener tailored to that specific business. You walk in already prepared instead of working a list.

Is there a free version of Prospekteer?

Yes. The Free tier includes 10 lifetime prospects with full enrichment and no credit card required. Paid plans start at $29 per month for the Starter tier with 150 prospects per month.

What does the Coverage Gap Detector do?

The Coverage Gap Detector identifies the most likely missing or underwritten coverage for each business based on its industry, size, and risk profile, then names the gap directly in your AI-generated cold opener so you can lead with a specific, useful insight rather than a generic pitch.

How does Renewal Radar predict renewal dates?

Renewal Radar estimates each prospect’s policy renewal window so producers can engage hot prospects at the right moment — well before their existing policy comes up for renewal, when the conversation still has time to land.

Does Prospekteer work with my agency management system?

Prospekteer provides AMS upload guides for major agency management systems and is building live integrations with EZLynx, AgencyZoom, and Applied Epic. Live AMS integration is included on the Agency+ tier.

Is Prospekteer for personal lines or commercial lines?

Prospekteer is currently focused exclusively on commercial lines prospecting. Personal lines support is on the roadmap for a future release.

Who is Prospekteer built for?

Prospekteer is built specifically for independent insurance agencies of one to ten producers. It is not designed for captive agents, enterprise carriers, or wholesale brokers.

Resource · Coverage Glossary

40 commercial coverages,
defined the way agents use them.

Plain-language definitions of the commercial insurance lines independent agents actually sell — written so a new producer can read them and a seasoned producer can quote them in a meeting.

Every entry includes the coverage name, common shorthand, a 1-2 sentence definition, and a quick “when this matters” pointer for who typically carries it. Bookmark this page; it’s built to be referenced in the middle of a quote, not read once.

The glossary

34 entries, 8 categories.

Click any category to jump to it. Definitions are intentionally short — enough to anchor the conversation, not enough to substitute for actual policy language.

Auto & Trucking · 6 Property & Inland Marine · 5 General Liability & Casualty · 5 Professional & Management · 4 Cyber & Privacy · 4 Specialty & Vertical · 5 Workers Comp & Employee · 3 Excess & Umbrella · 2

Auto & Trucking6 entries

Commercial Auto Liability

CAL

Liability coverage for bodily injury and property damage caused by a vehicle owned, leased, or operated for the business. Replaces personal auto coverage for any vehicle used for business purposes.

WHEN IT MATTERSRequired for any commercial vehicle. Covers what the truck or van does to others, not what happens to the truck itself or what it’s carrying.

Motor Truck Cargo

MTC · Cargo

Coverage for the freight or cargo being hauled by a commercial trucking operation. Protects the operator against loss of, or damage to, the load while in transit.

WHEN IT MATTERSTrucking fleets, owner-operators, and any operation hauling third-party freight. Auto liability does not cover the cargo inside the trailer.

Hired & Non-Owned Auto

HNOA

Liability coverage extending the commercial auto policy to vehicles the business does not own — rental cars used on business trips, employee personal vehicles used for work errands, gig-driver vehicles used in delivery.

WHEN IT MATTERSAny business with employees driving rentals or personal cars for work. Standard fleet auto often does not extend to a driver’s own vehicle.

On-Hook Coverage

On-Hook

Liability coverage for damage to a customer’s vehicle while it’s being towed, hauled, or transported on the operator’s equipment.

WHEN IT MATTERSTow truck operators, repossession services, and auto-transport carriers. Standard auto liability does not respond to damage to the customer’s vehicle in the operator’s custody.

Trailer Interchange

Interchange

Coverage for damage to a trailer that is not owned by the insured but is in their possession under a written interchange agreement with another carrier.

WHEN IT MATTERSTrucking fleets that swap trailers with other carriers. Without it, damage to a non-owned trailer in your possession becomes the operator’s problem.

Refrigeration Breakdown Endorsement

Reefer Breakdown

Endorsement to motor truck cargo that covers cargo loss caused by mechanical failure of the refrigeration unit on the trailer.

WHEN IT MATTERSReefer fleets hauling food-grade or temperature-sensitive cargo. Standard motor truck cargo often excludes mechanical breakdown unless the endorsement is specifically on.

Property & Inland Marine5 entries

Business Owners Policy

BOP

A packaged policy combining commercial property coverage, general liability, and business income coverage. Built for small-to-mid-size businesses with simpler exposure profiles.

WHEN IT MATTERSMany independent agencies write small commercial accounts on a BOP rather than separate property and GL policies. Larger or higher-exposure accounts typically need standalone policies.

Inland Marine

IM

A specialty property line covering mobile equipment, tools, customer goods in transit, and other property that moves around or doesn’t fit standard commercial property definitions.

WHEN IT MATTERSContractors with mobile equipment, fleets carrying customer goods, businesses with high-value tools that travel between sites. The standard property policy covers the building; inland marine covers what moves.

Installation Floater

Installation Floater

An inland marine sub-form covering materials and equipment that the contractor is installing at the customer’s site, while in transit, and at the jobsite, until installation is complete and accepted.

WHEN IT MATTERSHVAC, electrical, plumbing, and other contractors carrying customer-owned materials between job sites. Standard commercial property does not cover materials in transit or pre-installation.

Equipment Breakdown

Boiler & Machinery

Coverage for sudden mechanical or electrical breakdown of business equipment — boilers, refrigeration, HVAC, production machinery — and the resulting damage to the business and lost income.

WHEN IT MATTERSManufacturers, restaurants, food-service businesses, and any operation where equipment failure halts the business. Standard commercial property covers fire and weather, not internal mechanical failure.

Business Income & Extra Expense

BI · Extra Expense

Coverage for lost net income and necessary continuing expenses while the business is shut down due to a covered property loss. Extra Expense covers the additional costs of operating from a temporary location.

WHEN IT MATTERSAlmost every commercial business — but most accounts are written with BI limits set when the business was smaller, and the limits don’t scale with revenue growth without a review.

General Liability & Casualty5 entries

Commercial General Liability

CGL · GL

Liability coverage for bodily injury and property damage to third parties arising from the business’s premises, operations, products, or completed operations. The foundational liability line for almost every commercial account.

WHEN IT MATTERSRequired by virtually every commercial lease, contract, or licensing arrangement. Covers slip-and-fall, customer property damage, and operational injury to third parties.

Garage Keepers Liability

GKL

Liability coverage for damage to a customer’s vehicle while it’s in the operator’s care, custody, or control — in the bay, on the lot, or otherwise stored on the premises.

WHEN IT MATTERSAuto repair shops, body shops, dealerships, valet operations. Standard GL specifically excludes property in the operator’s care; GKL closes the gap.

Liquor Liability

Dram Shop

Coverage for liability arising from the sale or service of alcoholic beverages, including injuries caused by intoxicated patrons after they leave the premises (dram-shop liability where state law allows).

WHEN IT MATTERSBars, restaurants serving alcohol, taverns, breweries with on-site service, event venues. Standard GL excludes liability from alcohol service.

Care, Custody & Control Endorsement

CC&C

Endorsement that adds liability coverage for damage to property of others that is in the insured’s care, custody, or control — a category standard GL specifically excludes.

WHEN IT MATTERSAuto repair, painters, dry cleaners, tire shops, and any business handling customer property as part of operations. Without the endorsement, damage to property in your custody is not covered.

Product Liability

Products & Completed Ops

Liability coverage for bodily injury and property damage arising from products manufactured, sold, distributed, or installed by the business after they leave the insured’s control.

WHEN IT MATTERSManufacturers, distributors, contractors completing installation work, and any operation whose product or work could fail downstream. Often included in the GL policy but with sub-limits worth reviewing.

Professional & Management4 entries

Professional Liability

E&O · Errors & Omissions

Coverage for liability arising from the rendering of professional services — claims of negligence, errors, omissions, or failure to deliver promised expertise.

WHEN IT MATTERSAccountants, lawyers, engineers, consultants, agencies, and any business selling professional advice or services. Often called E&O in non-medical contexts and malpractice in medical.

Directors & Officers Liability

D&O

Coverage for personal liability of directors and officers arising from their decisions and actions in those roles, including defense costs in shareholder, regulatory, or third-party suits.

WHEN IT MATTERSCompanies with formal boards, investor-backed startups, non-profits, and any organization where executives could be personally named in suits arising from operating decisions.

Employment Practices Liability

EPLI

Coverage for employment-related claims — wrongful termination, discrimination, harassment, retaliation, and similar suits brought by current, former, or prospective employees.

WHEN IT MATTERSAny employer with more than a handful of employees. Particularly important in high-turnover environments (long-term care, hospitality, retail) where claim frequency runs above the commercial average.

Fiduciary Liability

Fiduciary

Coverage for liability arising from the management of employee benefit plans (401(k), pension, health) under ERISA — claims of breach of fiduciary duty in plan administration.

WHEN IT MATTERSCompanies sponsoring employee benefit plans of any meaningful size. Often overlooked because it sits separately from D&O and EPLI.

Cyber & Privacy4 entries

Cyber Liability

Cyber

Coverage for first-party costs (forensic investigation, notification, credit monitoring, ransom payment, business interruption) and third-party liability arising from a data breach, ransomware event, or other cyber incident.

WHEN IT MATTERSAny business storing customer data, financial records, or PHI — but particularly healthcare, accounting, legal, agencies, and any operation under HIPAA, GLBA, or state privacy regulations.

Network Security Liability

Network Security

A component of cyber coverage providing third-party liability protection when the insured’s computer systems cause harm to others — for example, transmitting malware to a customer or vendor.

WHEN IT MATTERSAlmost universally bundled inside a cyber liability policy. Worth confirming on each renewal because some older policies still excluded this.

Privacy Liability

Privacy

Coverage for liability arising from unauthorized disclosure of personal or confidential information, regardless of whether the disclosure was caused by a cyber incident or by a non-digital mistake.

WHEN IT MATTERSBundled into cyber policies but worth specifically confirming for businesses handling protected information — healthcare, financial services, professional services with client records.

Technology E&O

Tech E&O

Professional liability tailored to technology and software companies — covers errors, omissions, and failures of the company’s product or service to perform as promised.

WHEN IT MATTERSSaaS companies, IT service providers, software development firms, technology consultants. Often combined with cyber liability into a single tech-E&O-plus-cyber policy.

Specialty & Vertical5 entries

Pollution Legal Liability

PLL · Site Pollution

Coverage for first-party cleanup costs and third-party liability arising from pollution conditions on, at, or migrating from the insured’s property.

WHEN IT MATTERSManufacturers, mining operations, recycling facilities, dry cleaners, fuel-handling businesses, and any operation where the GL pollution exclusion would punch a hole in coverage.

Contractor’s Pollution Liability

CPL

Pollution coverage for contractors performing work at a customer site — covers liability arising from pollution conditions caused by the contractor’s operations.

WHEN IT MATTERSEnvironmental contractors, demolition contractors, paving companies, roofing contractors handling solvents, and any contractor whose work could create or release pollutants.

Sexual Abuse & Molestation

S&M Coverage

Coverage for liability arising from allegations of sexual abuse or molestation. Frequently excluded or sub-limited on standard liability policies and added back via specific endorsement when relevant.

WHEN IT MATTERSLong-term care, daycare, schools, religious organizations, youth programs, and any operation where the exposure is foreseeable. The endorsement is usually mandatory for these classes.

Animal Bailee

Animal Care · Bailee

Coverage for liability arising from injury to, or escape of, animals in the insured’s care. Covers veterinary costs, owner property damage, and bodily injury to others caused by the animals.

WHEN IT MATTERSPet groomers, dog daycare, boarding kennels, veterinary practices, animal trainers. Standard BOP excludes animals in the insured’s care.

Product Recall

Recall

Coverage for the costs of recalling a product from the market — communication costs, retrieval logistics, lost inventory, and associated business interruption.

WHEN IT MATTERSManufacturers, food and beverage producers, distributors, and any business with downstream product distribution. Standard product liability covers third-party harm; recall covers the cost of removal.

Workers Comp & Employee3 entries

Workers Compensation

WC · Comp

State-mandated coverage providing medical care and wage replacement to employees injured on the job. Eliminates the employee’s right to sue the employer for most workplace injuries.

WHEN IT MATTERSRequired by law in nearly every state for employers with W-2 employees. Premiums driven by payroll, classification code, and experience modifier.

Occupational Accident

Occ-Acc

A non-WC alternative providing medical and disability benefits to non-employee workers — typically owner-operators leased to a carrier. Looks similar to WC but does not provide statutory employer protections.

WHEN IT MATTERSOwner-operator trucking arrangements, independent contractors leased to carriers. The difference between WC and occ-acc shows up the moment there’s a serious injury claim.

Excess Workers Compensation

Excess WC

Coverage that sits above a self-insured retention or primary WC layer, kicking in when claims exceed the retention amount. Used by larger employers and high-severity classes.

WHEN IT MATTERSSelf-insured employers, mining operations, construction, manufacturing, and other high-severity WC classes where a single severe claim could exceed primary limits.

Excess & Umbrella2 entries

Commercial Umbrella

Umbrella

Liability coverage that sits above the primary CGL, auto liability, and employer’s liability — providing additional limits and, in some forms, broader coverage than the underlying policies.

WHEN IT MATTERSAlmost any commercial business benefits from umbrella; the standard limit on a primary GL is rarely sufficient for a serious claim. Particularly important for high-exposure operations.

Excess Liability

Excess

Liability coverage providing additional limits above a specific underlying policy on a follow-form basis — coverage matches what the underlying policy covers, just with higher limits.

WHEN IT MATTERSUsed when the insured needs additional limits without broadening coverage. Common on professional liability programs, D&O, and specialty programs where umbrella isn’t the right structure.

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