How We Make Money

PolicyBenchmark is a free resource. You never pay to use our guides, reviews, tools, or any other content on this site. This page explains how we fund our operations while maintaining editorial independence.

Our Revenue Model

PolicyBenchmark is designed to earn revenue through approved affiliate or referral partnerships with insurance providers. The presence of a provider review or link does not mean that provider is a paying partner. Here is how it works:

1. We publish educational content about commercial insurance — coverage guides, provider reviews, state guides, and interactive tools.
2. On provider reviews, we include a link to the provider's website, where you can learn more about its products.
3. When you click one of these links and take an action (such as requesting a quote or starting an application), we may earn a referral fee from the provider.

When an approved partnership is in place, this is an affiliate marketing model used by many independent financial comparison sites. The referral fee is paid by the insurance provider, not by you. Using our affiliate links does not increase your premium or cost.

Business Insurance Requests

You can also start an insurance inquiry directly on PolicyBenchmark. We ask about your business and coverage interests and request permission to share your request with insurance companies, licensed agents and brokers to help you find coverage. PolicyBenchmark and these providers may follow up by email or, if you choose phone contact, a manual call. Submitting the form is free. It does not produce an insurance quote, place coverage, or guarantee that a provider can insure your business.

We may receive compensation from an insurance provider for a referral made with your permission. The provider pays any referral fee, not you. The form does not authorize automated calls, texts or marketing unrelated to your insurance request. Consent is not a condition of purchasing insurance. Requests submitted under the earlier PolicyBenchmark-only consent need fresh permission before referral. Unfinished contact drafts are not shared with insurance providers. See our Privacy Policy for details and withdrawal options.

What Affiliate Links Look Like

Affiliate links appear only on provider reviews. Each one reads "Visit" followed by the provider's name, and the line "Affiliate link. We may earn a commission." appears beside it. These links open the provider's website in a new tab.

What We Do Not Do

• We do not sell insurance. We are a content publisher, not a licensed agent or broker.
• We do not provide insurance advice. Our content is educational. We do not tell you which policy to buy or which carrier to choose.
• Insurance referrals require your permission. We share completed requests only within the scope of the consent you accepted. Clicking an affiliate link takes you to the provider's website, where information you provide is governed by that provider's privacy policy.
• We do not charge for any content or tools. Everything on PolicyBenchmark is free to use.

How We Maintain Editorial Independence

Our Editorial Standards describe how we separate published information from commercial relationships:

• Provider profiles explain available evidence. A profile should identify the sources for its claims and distinguish an insurer from an agency or comparison service. Being listed does not establish that we bought a policy or tested claims service.
• Numerical scores are withheld. We do not publish editorial score cards or review-rating markup while a documented evaluation method and supporting observations are being established. A provider's position in a directory is not a measured quality ranking.
• A commercial relationship is not evidence of suitability. Provider information should help readers ask questions about actual proposals. Payment does not establish that a provider is the best fit for a business.
• Provider links carry disclosures. A review or listing does not by itself establish a paying partnership. We may cover providers from which we receive no compensation.

Why This Model Works

The affiliate model aligns our incentives with yours. We succeed when we publish useful, accurate content that helps you make informed decisions. If our content is unhelpful or inaccurate, readers leave and we earn nothing. This creates a natural incentive to prioritize quality and accuracy.

Questions

If you have questions about our revenue model or editorial independence, use the contact information below. We are committed to transparency about how PolicyBenchmark operates.