Forge is a tech-enabled small business commercial carrier that writes BOP and GL for low-hazard small business classes through automated underwriting. For Georgia tech businesses, e-commerce retailers, and consultants, Forge provides fast digital quoting and competitive pricing.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Tech-enabled underwriting platform produces fast quotes for Georgia digital businesses and online retailers.

Strength 2

Sharp pricing on low-hazard tech small business BOP relative to traditional carriers.

Strength 3

Available with no direct appointment volume requirements.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Newer carrier with shorter claims track record than established commercial carriers.

Weakness 2

Limited appetite outside tech-enabled and low-hazard small business classes.

Weakness 3

Appetite is limited to qualifying low-hazard classes; accounts with any physical product, manufacturing, or field service component may not qualify

Best Fit For

Tech-enabled small businesses including online retailers, e-commerce, software companies, consultants, digital marketers, and small service businesses with low physical exposure that benefit from automated underwriting and competitive pricing on small business BOP and GL.

Not A Good Fit For

Standard commercial businesses that qualify for admitted market coverage. Forge is a surplus lines option for non-standard and specialty commercial risks.

APPETITE & COVERAGE

What They Write

Coverage Types

Small business BOP, GL, professional liability (qualifying classes)

Best Pricing For

Tech-enabled small businesses with low physical exposure. Most competitive for Georgia online retailers, e-commerce, software companies, consultants, and digital service businesses.

Industry Classes

E-commerce, online retailers, software, consultants, digital service businesses, small professional services with low physical exposure

Admitted Status

Admitted in Georgia

CLAIMS & PRICING

What to Expect

Claims Experience

Digital claims process oriented around the small business segment. Newer carrier than Hartford or Travelers; claims track record is shorter but adequate for the low-hazard small business risks they target.

Pricing Context

Forge is a competitive option in the E&S market for specialty commercial placements where admitted carrier options are unavailable or provide inadequate coverage terms.

vs Competitors

Primary Georgia competitors are Next Insurance, Hiscox, and Travelers small business. Forge competes on tech-enabled small business BOP. Next wins on tradespeople and contractors. Hiscox wins on consultants. Travelers wins when the account needs full multi-line commercial.

STATE AVAILABILITY

Where They Write

States Available

Available in select states including Georgia

Personal Lines States

Commercial Lines States

Available in select states including Georgia

Do We Work With Them?

Yes

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How This Carrier Rates

AM Best

JD Power Personal

JD Power Commercial

NAIC Complaint Index