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Business insurance that matches how your company actually operates
Thinq helps companies evaluate, place and manage the business insurance connected to their workforce and operations: workers' compensation, general liability, employment practices liability (EPLI), cyber, and directors and officers (D&O). We look at it alongside payroll, HR practices and benefits, because that's where most coverage questions actually start.
The five policies we most often see
Workers' compensation
Required in most states once you have employees. It's priced on payroll and job classifications, which are reconciled at the annual audit. Mistakes there can create unexpected premium adjustments.
General liability
Often required by commercial leases and client contracts.
Employment practices liability (EPLI)
Covers claims from employees, such as discrimination, wrongful termination or harassment. Its exposure tracks your HR practices, documentation and terminations.
Cyber
Increasingly asked for by customers, and closely tied to the employee data your systems hold.
Directors and officers (D&O)
Becomes relevant as you add outside investors or a board.
Why it belongs with HR and benefits
Workers' comp connects directly to payroll and employee classifications. EPLI connects to your handbook, investigations, performance management and terminations. Your benefits census and your insurance applications describe the same people. Looked at separately, those connections get missed. Looked at together, the coverage matches how you actually operate.
Common questions
Is workers' comp separate from our employee benefits?
Yes. Workers' comp is a commercial policy the employer buys, regulated by the state. Employee benefits are group health and welfare plans. They're bought separately, and we handle both.
When does EPLI become worth it?
When the exposure becomes meaningful: a first layer of managers, a difficult termination, or growth in headcount. Federal anti-discrimination law generally applies from 15 employees, and some states, including California, apply similar rules from 5.
What is a workers' comp audit?
At the end of the policy year the carrier compares the payroll you estimated with what you actually paid, by job classification, and adjusts the premium.
Can you place our business insurance if we're on a PEO?
Workers' comp is usually inside the PEO. General liability, EPLI, cyber and D&O typically are not, and we can place those independently.
Not sure what you need? Good. That's where we come in.
Most companies come to us knowing something isn't working, not knowing which service to buy. We'll help you figure it out first.