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VERDICT

Should I use Tivly?

Tivly connects small businesses with insurance — get matched in minutes - tivly.com

Depends. Small business owners can safely use Tivly for free insurance quotes across niche trades. Insurance agents buying leads should scrutinize lead quality and refund terms before paying.

Confidence

Medium. Based on ~25 public sources; many snippets truncated, so specifics are limited.

Ratings

  • Value for money
  • Ease of use
  • Feature depthLead marketplace, not feature-rich software
  • Support quality
  • Security postureOnly a privacy page; no substantive evidence

Pricing

Free quotes

Business owners

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
Insurance agentsPer lead (undisclosed)

Best for

  • Small businesses shopping insurance quotes
  • Niche trades (landscaping, HVAC, massage)
  • P&C agents buying commercial lines leads

Not for

  • Teams expecting software or dashboards — it's a lead marketplace
  • Agents needing guaranteed-qualified leads
  • Large firms with dedicated brokers or risk teams
  • Buyers unwilling to field agent follow-up calls

Gotchas - check before you buy

medium

Agent lead pricing isn't published; negotiate costs and refund policies upfront

medium

Submitting info routes you to agents; expect follow-up sales calls

medium

BBB and Trustpilot complaints exist; review terms before signing lead agreements

low

Advertised prices like $20/month GL are carrier premiums; actual cost varies by trade and state

Pros and cons

Pros

  • Free, matched insurance quotes for business owners
  • Rated 4.2/5 by agents on Insifter
  • Deep niche coverage: cyber, workers comp, bonds, benefits
  • Distributed through partners like OnPay
  • $26M raised; credible insurtech backer

Cons

  • Agents report paying for unqualified leads
  • BBB complaint record on file
  • Your inquiry becomes a sold lead; agents will call
  • Mixed lead-quality experiences on agent forums

Sources & method

Analyzed 10/05/2026 - 12 sources - No known vulnerabilities found in the sources reviewed.

official x3review x7news x2

Key stats

  • Value for money: 2/5

    Rating

  • Free quotes

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 2/5. Agents report spending on unqualified leads
  • Ease of use: 3/5. Minutes-long matching claimed, lightly verified
  • Feature depth. Lead marketplace, not feature-rich software
  • Support quality: 2/5. BBB complaints; mixed agent reports
  • Security posture. Only a privacy page; no substantive evidence
  • 4.2/5 Insifter agent rating Lead-vendor review
  • Yes Free quotes For business owners
  • $26M Funding Nov 2022 insurtech round
  • 2022 Rebranded Formerly CommercialInsurance.net

Pricing

Business owners

Free quotes

  • Matched to carriers/agents in minutes
  • No buyer fees evidenced

Insurance agents

Per lead (undisclosed)

  • Commercial lines intent leads
  • No public rate card in sources

Security

No known vulnerabilities found in the sources reviewed.

What users say

Agent forums report mixed lead-quality experiences, Insifter rates Tivly 4.2/5, and BBB/Trustpilot carry customer complaints.

“I tried Tivly also.”
Reddit, r/InsuranceAgent
Full analysis

Based on ~25 public sources; many snippets truncated, so specifics are limited.

Free small-business insurance quote marketplace, not software. Business owners: try it. Agents: verify lead quality first.

Methodology

Based on ~25 public sources; many snippets truncated, so specifics are limited.

Sources

  1. Tivly homepagetivly.com
    official
  2. How it Workstivly.com
    official
  3. Tivly Reviews — Cost, Close Rates & Is It Worth It?insifter.com
    review
  4. Commercial Insurance Leads — r/InsuranceAgentreddit.com
    review
  5. Internet Lead Company Reviews — r/InsuranceAgentreddit.com
    review
  6. Wasting time purchasing unqualified leads — r/InsuranceAgentreddit.com
    review
  7. Trustpilot — tivly.comtrustpilot.com
    review
  8. Tivly | BBB Complaintsbbb.org
    review
  9. CommercialInsurance.net Becomes Tivlybusinesswire.com
    news
  10. Top insurtech funding rounds, Nov. 2022dig-in.com
    news
  11. OnPay + Tivly | Insurance Marketplacehelp.onpay.com
    official
  12. Best Commercial Lines Lead Generation Companies 2026vahorizon.site
    review

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