Haul Yeah! and Confused Goblins: What October 2026's New Business Filings Tell Agents

Somewhere in Colorado Springs, a company called Haul Yeah! Junk Removal Ltd. filed its paperwork on Oct. 10, 2026. Within the week, Doomsday Robot LLC registered in Denver and Confused Goblins LLC in Aurora. Over in New York, Don't Go Bacon My Heart LLC and Chicken Tummy Time Limited Liability Company both filed on Oct. 14.

These are real names from official state records, and they arrived alongside thousands of others. Our first New Business Pulse counted 19,733 new businesses in Colorado, New York, Pennsylvania, Connecticut and Texas, with filing dates from Sept. 17 to Oct. 18, 2026 (each state's window is different; details at the end). Here's what those first weeks showed, and what it means if you sell commercial insurance.

The names are the fun part

We went through the state files for the same filing-date windows as the Pulse and pulled out some favorites. These are business names as filed (we tidied the capitalization). What a business actually does is a guess from its name, unless the state says otherwise.

Junk removal was busy, and it produced a few of the best puns. Across the Colorado, New York, Pennsylvania and Connecticut files for these windows, 20 new business names included the word "junk": 7 in Colorado, 6 in New York, 4 in Pennsylvania and 3 in Connecticut. Vending machines showed up too, with 26 names containing "vending" (6 in Colorado, 10 in New York and 10 in Pennsylvania).

A name can fool you

Two of our Connecticut favorites show why a name is only a starting point.

Haunted Disturbance Limited Liability Company sounds like a Halloween attraction. But Connecticut asks new businesses for an industry code, and this one reported NAICS 711410: agents and managers for artists, athletes, entertainers and other public figures. Probably a talent or music business, not a haunted house.

Chimney Goat LLC sounds like a petting zoo. It's a Massachusetts company that registered to do business in Connecticut, and its reported code is NAICS 561790, other services to buildings and dwellings, the category that covers work like chimney cleaning. If that's what it does, it's more likely to be up on roofs than out in a pasture, which is a very different conversation.

Connecticut and Texas are the two states in our data that publish an industry code. In Colorado, New York and Pennsylvania, the name is often all you get, so check the business before you call.

Some business types were more interesting than expected

Everyone expects contractors and restaurants to need coverage, and the data agreed. In the October 2026 Pulse, across Colorado, New York, Pennsylvania and Texas, 100% of 1,230 new construction businesses and 99.9% of 1,360 new restaurants and bars scored 70 or higher on our insurance-need score (1 to 100).

The middle of the list is where it gets interesting:

We left Connecticut out of these industry scores. Its October scores included a small bonus for a published business email, which we removed on Oct. 19, 2026, so they aren't comparable with the other states.

Manufacturing is the quiet one. It doesn't get the attention that contractors do, but 81% of 748 new manufacturing businesses scored 70 or higher for insurance need.

Then there's AI. More than 30 new business names in the Colorado, New York, Pennsylvania and Connecticut files used "AI" as a word, from AI advisory firms to a Colorado company called Whisper AI Dating Coach LLC. It's a fun trend to watch, but technology businesses as a group were the opposite of a hot prospect: none of the 550 new technology businesses in Colorado, New York, Pennsylvania and Texas scored 70 or higher. Our score treats a laptop-and-home-office business as lower need on day one.

Texas had its own twist

Texas data is different. We count new sales-tax permits there, not Secretary of State formations. In the Pulse window (Oct. 3 to 17, 2026), 27% of new Texas permits (2,188 of 8,057) went to businesses that already held a permit: a new location of an existing business, not a brand-new company. We score those lower, because a business opening its second or third location probably has an agent already.

Where the most new businesses filed

The busiest areas in each state's Pulse window:

• Texas: Harris County, 1,213 new permits (Oct. 3 to 17, 2026)
• Pennsylvania: Philadelphia County, 896 new businesses (Sept. 17 to Oct. 2, 2026)
• New York: Kings County (Brooklyn), 601 (Oct. 10 to 16, 2026)
• Colorado: Denver, 582 (Oct. 10 to 18, 2026)
• Connecticut: Stamford, 43 (Oct. 10 to 18, 2026)

States publish on different schedules, so compare shares, not raw counts, across states.

What it means for agents

• Don't judge a lead by its name. Haunted Disturbance isn't a haunted house, and Chimney Goat probably has nothing to do with goats. Where a state reports an industry code, read it. Where it doesn't, take 30 seconds to look the business up.
• The obvious trades really are the best bets. Nearly every new contractor and restaurant scored 70+. Start there.
• Look past the usual list. Manufacturing (81%), auto services (77%) and cleaning and landscaping (74%) all scored high-need far more often than not.
• Trendy isn't the same as insurable. The AI startups are fun to read about, but none of the 550 new technology businesses scored 70+.
• In Texas, check whether a permit is a new company or a new location. More than a quarter of them were new locations.

For the full process of finding and working new business leads, see our guide to finding commercial insurance leads. For which industries to call first and why, see which new businesses need commercial insurance first.

About these numbers

All counts, shares and areas come from the October 2026 New Business Pulse and its data file, published Oct. 19, 2026. Windows: Pennsylvania Sept. 17 to Oct. 2, Texas Oct. 3 to 17 (permits), Colorado and Connecticut Oct. 10 to 18, and New York Oct. 10 to 16, 2026. Counts are after we filter out holding shells and mail-drop addresses. The industry figures for Colorado, New York, Pennsylvania and Texas are sums of those states' rows in the data file; they leave out Connecticut (see above). Source: UncoveredList, New Business Pulse (October 2026): https://uncoveredlist.com/pulse

Business names, filing dates and Connecticut's NAICS codes come from each state's official open data, checked Oct. 24, 2026, for the same filing-date windows: the Colorado Secretary of State's Business Entities dataset, the New York Department of State's corporation filings (articles of organization and certificates of incorporation), Pennsylvania's registered businesses (domestic registrations) and the Connecticut Business Registry. The name counts ("junk", "vending", "AI") are from those raw state files before our filters, so they won't match Pulse totals. We left out Texas names because many sales-tax permits are held by individuals. We use business names only, never owner or officer names.

new business pulsenew business filingscommercial insurance prospecting