See how SmartQuotes matches customers to partners
Pick a customer scenario below. Watch which of our partner agencies are eligible — and which are not, with the reason.
Every quote request gets evaluated against every partner agency on the platform. Eligibility is decided on appetite, licensed states, lines of business, and premium band — the same criteria a human underwriter would use, weighed consistently. Below is a live look at four customer scenarios against four representative partner agencies.
Evaluating: Heartland Refrigerated Trucking
- Industry
- Trucking — long-haul refrigerated
- State
- Minnesota
- Size
- 12 power units, 14 drivers
- Lines
- Commercial auto liability, motor truck cargo, general liability
- Premium
- $165,000 estimated annual
Midwest Commercial Auto Specialists
EligibleRegional MGA, commercial trucking and fleet auto focused
Lines: Commercial auto liability, motor truck cargo, garage liability, physical damage
States: MN, ND, SD, IA, WI
Appetite: $25K – $500K premium, fleets 5–75 power units
Reason: Commercial trucking auto and cargo are core appetite. State licensed. Fleet size and premium band align.
Plains Aviation Underwriters
Not eligibleSpecialty aviation MGA, manned + UAV commercial operations
Lines: Aircraft hull, aviation liability, drone liability, hangarkeepers, products liability
States: ND, SD, MN, MT, NE, KS, IA
Appetite: $15K – $250K premium, ag-ops and commercial UAV
Reason: Aviation specialist — no commercial trucking auto or motor truck cargo lines.
Gulf Hospitality Group
Not eligibleRestaurant and hospitality specialist, multi-state Gulf and Southeast
Lines: BOP, liquor liability, workers comp, EPLI, commercial auto
States: TX, LA, MS, AL, FL, GA
Appetite: $15K – $300K premium, restaurants and small hotels
Reason: Hospitality specialist — does not write commercial trucking, not licensed in MN.
Buckeye Industrial Commercial
Not eligibleRegional commercial lines, manufacturing and industrial accounts
Lines: Property, GL, products liability, inland marine, workers comp, commercial auto
States: OH, PA, IN, KY, MI, WV
Appetite: $50K – $1M premium, manufacturing and fabrication
Reason: Not licensed in MN. Trucking auto not in core appetite — written only as accessory to manufacturing accounts.
What you just saw
Appetite-aware
Each partner has declared the lines of business and premium band they want to write. We do not show them quotes outside that band.
Licensed states only
We only route a customer to partners licensed in that customer's state. Anything else creates compliance risk for both sides.
Reason codes printed inline
Every not-eligible verdict has a reason. Partners trust the platform because they can see why they got matched (or did not) on every request.
Review-needed escape hatch
When a customer is close to a partner's appetite but not a clean match, we route to that partner's underwriter for a human read instead of auto-rejecting.
Interested in a partnership?
If you are a carrier, MGA, or wholesaler looking to expand distribution, we would like to talk.
Need commercial insurance?
Submit your business profile and we will route you to partners who actually write what you need.