The Atlas · every risk · one request
Your world.The right insurance conversation.
From the home you are buying to the fleet you run, tell Ward what you need to protect. Ward turns it into one clear request and finds licensed brokers who can actually take it.
Start from a situation
Nine chapters of real situations, from a first home to a wind farm, each with a tool that saves what you learn.
Start at home → ReadFind your kind of insurance
Plain guides to every kind, from car and home to cyber, cargo and a film shoot, with what to gather first.
Browse all insurance →The Atlas
Scroll through everything a life or a business can protect.
Everyday risks and rare ones, from a first home to marine, aviation and energy. Each chapter has three real situations, notes from Ward and a tool that turns what you know into a saved need. Nothing is sent until you ask.
Brokers ask the roof’s age, material and when it was last replaced. A receipt or inspection note beats a guess.
The type of pipe, how you know, and whether any was replaced. “Not sure” is a fine answer; it is recorded as unknown.
A wood stove brings questions about who installed it, whether it was inspected and how often it is used.
Large trees over a roof can come up at inspection. A photo helps more than a description.
A place called home
Homes, condos, rentals, unusual properties and renovation. What you know about the building decides the questions, not a postcode.
The closing date drives this one. Start with what the disclosure actually says about the plumbing and leave the rest unknown until an inspection. A broker can work with unknowns; guesses cause trouble later.
Property condition checker saves a home need
Imports and classics bring questions about value, modifications, storage and how far it is driven each year.
A trailer is often handled apart from the vehicle that tows it. Brokers ask its value and where it is kept.
Everyday vehicles come down to who drives, how the vehicle is used and where it is parked overnight.
A life in motion
Cars, fleets, motorcycles, recreational vehicles and travel. Identify the thing or the trip, then choose the route that fits where it is registered.
Gather the import paperwork, a recent valuation and a list of modifications. Show use and winter storage change the questions, so both are noted.
Vehicle or trip resolver saves a motion need
Equipment you take to clients is usually listed separately, with values. Rented gear is its own question.
For makers, brokers ask what you make, who buys it and whether anything you sell could hurt someone.
Holding client logins or payment details means cyber and professional liability questions will follow.
The work you do
Professionals, trades, creators, marketplace sellers and founders. Search your occupation and see the documents a broker will actually need.
Venues usually spell out the certificate wording they need. Keep one venue contract and your second shooter’s agreement handy; a broker will ask for both.
Occupation search document checklist
For a first policy, brokers ask who depends on your income and for how long. A rough answer is a fine start.
Visitor cover is easiest to arrange before arrival. Dates, ages and where they will stay come first.
If you could not work for a while, what would stop? The first questions are about your work and income; health questions come later.
The people who matter
Life, health, benefits and care. Find the right local product family without giving medical details during casual discovery.
A broker will ask how many years your family would depend on your income and roughly how much. A first answer can be rough.
Product family finder no medical details here
Leases often make the tenant responsible for glass. Read that clause before you buy anything.
Taking cards and keeping customer emails is enough for cyber questions to come up.
Financed equipment can come with the lender’s own insurance requirement. Keep the agreement handy.
Visitors on your premises bring liability questions: foot traffic, opening hours and what you serve.
The business you are building
Employers, commercial property, liability and business interruption. Add several coverage needs to one company brief without retyping the company.
The lease is the first document to find. It usually names the liability limit the landlord wants and who is responsible for the glass.
Company brief several needs, one company
Hull, crew and what the vessel carries are separate questions. Refits and lay-ups change the picture.
If you hold other people’s goods, brokers ask whose they are, what they are worth and what your contracts say.
Trucks crossing a border bring questions about routes, loads and drivers on both sides.
Owned or leased, how it is built, sprinklers and what is stored inside lead the conversation.
The things that move the world
Manufacturing, construction, logistics, marine, energy and aviation. Build a schedule of assets and locations once; every workstream reads from it.
I started the schedule with your sites and fleet. Add anything missing; each line opens its own set of questions.
Asset and location schedule one schedule, many workstreams
Collections are listed piece by piece with recent valuations. Loans and transit are asked about separately.
Single valuable items are often listed individually. A recent appraisal is the first thing asked for.
Moorings, cruising waters and who sails her shape a yacht policy.
Beyond the usual
High-value assets, difficult risks, unusual exposures and specialty markets. Ask for specialist review and get an honest availability state back.
Each piece needs a description, a value and its route. Transit by sea is its own question, so I keep it separate.
Specialist review request honest availability
For aircraft, brokers ask where it is registered, who flies it and which countries it visits.
Goods crossing borders raise questions about who owns them in transit and on what terms.
Staff, offices and contracts abroad often need local policies that sit under one home program.
Across borders
International assets and operations. Add countries and watch separate workstreams open, including the ones nobody can serve yet.
Hiring in a new country often brings local insurance requirements. One workstream per country means nothing is assumed.
Country adder opens separate workstreams
Everything you saved, with what you know and what is still unknown, in one place.
Open my request →Nothing is shared until you say so, and you see every broker who receives it and why.
How sharing works →Every request gets a reference you can check in your own portal.
Open my portal →Your next step
Everything you saved, with what is still unknown, in one request. Send it when you are ready, to brokers you can see.
Read it the way a broker would. Anything marked unknown is fine; it tells them what to ask.
Your request so far
One graph
Everything you save, connected.
Each need you save lights up what it touches: the kind of cover, the place, the condition, the timing. That is how your request reads the way a broker would read it.
The network
One request in the middle. Everyone's agents around it.
People, real-estate agents and partner sites bring requests in. Brokers answer from the Desk or from their own systems and AI agents. Every quote comes back with where it came from, and you see every broker who received your request and why.
Where requests go today
Canada first. Built for everywhere.
In Alberta, requests can go to licensed brokers today (test brokers while we are in demo). Everywhere else you can prepare and save your request now, and sending opens place by place.
Open tools
Tools anyone can use, whether or not they ever submit.
Check a licence, prepare a client for their closing, read a guide written for your exact situation, follow your own request, or connect your AI assistant to the network.
How to verify a broker on the regulator's own register.
Real-estate agent intakePaste a listing, confirm the facts, send your client a one-time link.
Guides for real situationsPlain answers to what people actually search, with what to gather.
Your portalWho received your request, why, what they quoted and what's next.
Connect your AIUse broker.insure from ChatGPT, Claude or any MCP client.
Flagship guides
Two pages that show the depth every page aims for.
A distinct purpose, credible information, materially different examples, a preparation tool and an honest next step.
Insurance for a home with polybutylene plumbing.
A plumbing concern is a reason to gather accurate facts about this specific property. It is not a verdict on whether the home can be insured.
Texas home insurance, prepared around your property.
The property is in Texas even if you are not. Primary residence, second home, rental, condo and vacancy each take a different path.
For brokers
Bring your brokerage. Bring your agents.
Requests reach you only when you're licensed for the line and territory, it fits your appetite and you have room, and you see why you were chosen. Answer from the Desk, or let your own AI agents pull the request and post terms back. A flat fee per introduction, never a share of the premium.
Example quote record. The platform never quotes; it carries brokers' terms with their source.