Hidden Refunds.
Real Growth.
Coverage That Fits.
Prism Total finds the money you didn't know you were owed, unlocks better coverage when you need it, and protects every part of your business so you can grow without limits.
Explore Comprehensive Coverage Solutions
Explore Prism Total’s diverse insurance solutions, crafted to secure your business interests with optimal coverage and expert risk management tailored just for you. Saving you money without sacrificing protection.
Comprehensive Coverage. Lean Costs. Real Growth.
Explore our comprehensive insurance solutions tailored to keep you protected, lean, and ready to grow.
Non-Collateral Bonds
Get the Bonds You Need — Without Tying Up Your Cash
No collateral bonding solutions designed for contractors and business owners. Secure projects, protect your business, and keep your working capital free — without locking away your assets.
Commercial Auto Coverage
Protect Your Fleet. Protect Your Business.
From a single work truck to an entire fleet, Prism Total’s commercial auto insurance keeps your business on the road and your assets covered. Lean coverage, no wasted costs — only what you need to stay moving forward.
Payroll Solutions
Payroll Made Simple. Growth Made Possible.
Let us take payroll off your plate — from weekly processing to year-end statements — at a fraction of the cost. Free yourself from the mundane tasks and focus on what really matters: growing your business.
Recruitment & Lead Generation
More Leads. More Sales. More Growth
No New Debt
Reinvest those savings into targeted lead generation and top-tier recruitment — giving you more customers, more manpower, and more momentum. Turn savings into growth.
Business Acquisitions & Funding
Fuel Your Next Big Move.
Whether you're looking to acquire another company or secure funding for expansion, we broker smart deals and lean financing solutions — so you grow without overpaying or overextending.
Testimonials
Jasmine Richards
They saved me money on insurance and payroll, and freed me up to focus on my roofing business. Prism Total actually cares about helping contractors succeed.
Monica Chandler
Prism Total uncovered over $40,000 in refunds from our old policies and set us up with payroll that runs smoother and cheaper than before. They made the process easy, and now I can put that money back into materials and hiring.
Thomas Krazinski
Working with Prism Total feels like having a partner, not just a service. They helped us recover funds, secure bonding with no collateral, and manage payroll all in one place. It freed me up to focus on scaling my business.
FAQs
Your Questions Answered: Clear, Simple, and Built for Your Business
What insurance solutions does Prism Total provide for businesses?
Business Liability Insurance – to protect your company from accidents, damages, and claims.
Commercial Auto Coverage – for trucks, vans, and fleets that keep your business moving.
Workers’ Compensation – coverage that keeps your team protected and compliant.
Is Prism Total the right fit for my business size?
Yes. Whether you’re a small contractor or running a growing company, Prism Total builds custom insurance solutions that scale with you. We keep your costs lean when you’re starting out and adjust coverage only as your business expands — so you’re never overpaying.
How much could Prism Total save my business on insurance?
Most of our clients discover they’ve been overpaying for years. Prism Total audits policies going back up to 10 years to uncover hidden refunds and eliminate unnecessary costs — often putting thousands back into your business while keeping you fully protected. The sooner you start, the sooner you save.
How does Prism Total handle new policies?
We start by learning your business inside and out, then build a lean policy that fits your exact needs. No cookie-cutter coverage, no wasted costs. As your business grows, we adjust your policy so it stays compliant and cost-effective — giving you protection that evolves with you.
Why choose Prism Total over other insurance brokers?
Most brokers sell you a policy and move on. Prism Total is different — we continuously audit your insurance, making sure you’re never overpaying and that your coverage only scales when your business does. That means you get the protection you need today, with room to grow tomorrow — without wasted costs.
Why should I get an insurance audit?
Most businesses are overpaying for coverage they don’t need or missing refunds they’re owed. An audit with Prism Total shows you exactly where to save money while staying fully protected — often uncovering thousands in hidden opportunities and reducing operating costs by over 20%