Tivly is an insuretech marketplace that launched as CommercialInsurance.net in 2009 and rebranded in November 2022. Rather than underwriting policies directly, Tivly matches small business owners with a network of 200+ insurance agents, brokers, and carriers. For HVAC contractors, Tivly has a dedicated intake flow that captures trade-specific details (residential vs. commercial, refrigerant handling, payroll, fleet size) and routes the submission to carriers that are competitive on HVAC class codes that week.
The platform centers on a best-in-class U.S.-based contact center with 175+ licensed specialists who work the submission, collect missing underwriting info, and deliver bindable quotes by phone or email. For HVAC owners who dislike filling out a dozen online forms across carriers, Tivly is a one-and-done intake that surfaces apples-to-apples options. Common HVAC placements include general liability, workers' comp, commercial auto (fleet), BOPs, tools and equipment coverage, and umbrella liability. The marketplace is also useful for non-standard risks — HVAC shops with recent claims or heavy commercial exposure — where direct carriers decline but a broker network can still find a market.
Tivly doesn't publish pricing because premiums depend entirely on the carrier that ultimately writes the policy, but shopping the marketplace is free to the business owner. The core trade-off is that policy issuance and servicing happen through the matched agent or carrier, so Tivly's role ends once the quote is delivered. That makes Tivly strong for discovery but less useful for long-term account management compared to a dedicated HVAC agency like HVACInsure.