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Small commercial Enterprise
1 to 10 buildings. Running 50 or more? Switch to enterprise.
For commercial brokers

Scription Broker Program — Property covers the peril.
EB covers the accident.Nobody covers the failure.

We price wear-driven failure unit by unit and cover it at one guaranteed annual cost — backed by a licensed fronting carrier.

Price your first account
The split SCR-BR
ClientYours
CommissionYours
Risk & pricingOurs
BackingA+ carrier
Backed by
Investors
Guaranteed annual cost / First dollar, no deductible / A+ rated carrier & reinsurance
Sec.01 // The upside

Your customers get one flat price for every breakdown. You get a revenue line that renews itself.

Price your first account
Aerial view of a commercial rooftop fleet, HVAC units flagged by RoofIQ risk scoring
Sec.02 // Where it fits

It doesn’t replace anything in your client’s program. It completes it.

Property and Equipment Breakdown handle the catastrophic, the external, and the consequential. Scription handles the recurring, wear-driven repair spend neither one is built to touch. The layers stack — they don’t overlap in a way that asks your client to drop anything.

PropertyIn force Equipment BreakdownIn force ScriptionThe addition
Responds to External perils and physical damage to the building and its equipment Sudden, accidental mechanical or electrical breakdown from a fortuitous cause Wear, age, and ordinary internal mechanical or electrical breakdown of rooftop HVAC
Deductible Yes Yes — often significant None — first dollar
Wear & gradual failure Excluded Excluded Covered — this is the core
External perils hail · fire · flood · surge Covered Partial / varies by form Excluded — Property & EB respond
Consequential loss BI · spoilage · water damage Per policy Covered — EB’s signature strength Excluded
Preventive maintenance No No Included by default
Where it sits in the program The catastrophic and external The sudden accident, plus consequential loss The recurring, wear-driven repair spend in between

EB forms vary — sublimits and included coverages differ between the ISO Equipment Breakdown form and manuscript endorsements. The comparison reflects standard EB behavior, so confirm it against your client’s specific policy form.

Sec.03 // Why partner

What it does for your book.

Differentiated

Coverage no one else can quote

Priced unit by unit. There’s no competing market for it, so there’s nothing to match.

Additive

Commission you aren’t already earning

Paid on the program fee, recurring for the life of the account. It doesn’t touch your property or EB commission.

Retention

A renewal that’s hard to unseat

Once it’s in force, a competing broker can’t replicate it at renewal.

Clean fit

Nothing to license, nothing to unwind

A service contract, so no P&C license is required and your appointments are untouched.

// Why it stayed uncovered

You always saw the exposure.
What was missing was a way to price it.

Price your first account
We handle all of it
  • Fronting carrier & reinsurance
  • Underwriting & pricing
  • Contract issuance & administration
  • Claims & repair response
  • Loss control & asset monitoring
What stays yours
  • Your client relationship
  • Your renewals
  • Your commission, for the life of the account
  • Your carrier appointments, untouched
Sec.04 // How it works

From equipment list to firm price in three business days.

Rooftop HVAC fleet under a single coverage envelope
Send
One client’s equipment list.
Make, model, and serial per unit. No list? We fly a drone and read the data plates.
Price
A RoofIQ report comes back.
Unit-by-unit risk and a firm annual cost. No site visit.
Place
Coverage goes in force.
Your client keeps every policy they hold. You’re paid on the program fee.
Sec.05 // Who it’s for

Where to look first in your book.

Car dealerships
Showrooms, service bays, and body shops.
Retail chains
One conditioned box, replicated many times.
Restaurants & bars
Kitchen heat and long operating hours.
Gyms & fitness clubs
High occupancy loads, running most of the day.
Retirement homes & assisted living
Round-the-clock conditioning across several buildings.
Childcare centers
A failed unit can close the site.
Urgent care & dental clinics
Small footprints, many locations.
Big-box & home improvement
Large-volume space on packaged units.

If it runs on chillers and a central plant — hotels, hospitals, universities — it isn’t us. Scription covers commercial rooftop package units.

Backed by regulated capital, not our balance sheet.