Keep coverage. Keep cash. Pay premiums monthly
Spread annual commercial insurance premiums over 9–11 monthly installments. Preserve working capital, maintain coverage, and avoid tying up a line of credit on a one-time annual outlay.
Built around real commercial flow
Preserve cash
No large lump-sum premium payment at policy binding.
Fast turnaround
Premium finance agreements typically issued same-day at binding.
Broker-friendly
Streamlined process for agencies and brokers across the US and EU.
Secured by the policy
No additional collateral required — unearned premium secures the loan.
Every engagement follows the same disciplined path — from first conversation to funded facility.
- 1
Broker or insured submits the premium finance quote request
- 2
Qualiteq issues a premium finance agreement with rate and schedule
- 3
Insured signs, makes the down payment, and the carrier is paid in full
- 4
Insured repays Qualiteq monthly over the term of the financed premium
- 5
Policy remains in force; agreement closes when paid in full
A $200,000 annual premium, spread over 10 months
Instead of paying the full annual property & casualty premium upfront, finance it with a modest down payment and level monthly installments — preserving working capital.
Illustrative only — actual advance rates, fees, and terms vary by transaction.
- Total annual premium
- $200,000
- Down payment (example, 20%)
- $40,000
- Amount financed
- $160,000
- Term
- 10 months
- Indicative fixed monthly payment
- $16,450
Frequently asked
- What is insurance premium financing?
- A short-term loan that pays a commercial insurance premium up front, so the insured can repay it in monthly installments instead of a large annual outlay.
- What policies are typically financed?
- Commercial property, general liability, professional liability, D&O, cyber, workers' compensation, transportation, marine, and other commercial P&C lines.
- How does the loan get secured?
- The unearned premium of the financed policy serves as collateral. If payments stop, the lender can cancel the policy and recover from the return premium.
- Who arranges it — the broker or the insured?
- Either. Brokers and agencies routinely offer premium financing to clients at the point of binding; insureds can also approach Qualiteq directly.
Ready to discuss a transaction?
Initial reviews typically returned within 48 hours.