Kneelstone puts the ease in small business insurance

A new MGA built for the restaurants, shops, contractors and service businesses that keep main street running. Clear appetite, fast quotes and real underwriters, opening to brokers soon.

Early brokers get first access to appointments.

Small business owner helping a customer at the counter

Working hard so you can place small accounts with confidence.

Small business policies deserve the same attention as large accounts. With Kneelstone, you get an underwriting partner that responds quickly, explains its decisions and stays with you through renewal.

Programs designed only for small business, so our underwriters know your clients' operations inside and out.

Short applications and quick indications, so you can give your client an answer while they are still on the line.

A named underwriter on every account and clear reasons when we decline, from first quote to renewal.

Join the broker waitlist

Rate, quote and bind online

Appointed agents will be able to quote and bind eligible small business policies in minutes through the Kneelstone portal. Answer a few questions, review your quote and bind it. Join the waitlist to be first in line for an appointment.

Get early access
Shop owner at a checkout counter

Coverage built for small business

Launching with the core lines small businesses need most, written on rated carrier paper.

Available at launch

Business Owners Policy

Property and general liability packaged in a single policy for eligible restaurants, retailers, offices and service businesses.

Get the details
Available at launch

General Liability

Monoline GL for artisan contractors and service trades, including classes that standard markets often pass on.

Get the details
Available at launch

Commercial Property

Building and contents coverage for owner-occupied and small mixed-use locations.

Get the details
Coming later

Workers' Compensation

On our post-launch roadmap, alongside commercial auto for small fleets.

Get notified
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A partner for agents who write main street

We know small accounts are where agencies grow. Kneelstone is being built with brokers at the table, so the process fits how you actually work.

  • Named underwriterOne person who knows your book, not a shared inbox.
  • Straight answersClear reasons on every declination, so you can move on fast.
  • Renewal supportTerms issued early so you are never chasing at the deadline.

The businesses we're built for

Main street businesses with fewer than 50 employees.

Cafe interior

Restaurants & cafes

Food service, bakeries, coffee shops

Retail clothing store

Retail

Apparel, specialty and convenience

Contractors on a job site

Contractors

Artisan and specialty trades

Salon front desk

Personal services

Salons, studios and wellness

Cleaning professional at work

Cleaning & janitorial

Commercial and residential cleaners

Small office workspace

Small offices

Professional and creative services

Opening to brokers soon

Target launch January 2027. Leave your email and we'll reach out about appointments.

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