Quote preparation

How to prepare for an insurance quote.

Better inputs make it easier to compare like with like. Prepare a factual operating brief before contacting a licensed broker, agent, carrier, or marketplace.

Legal business name, entity type, locations, and years operating. Clear description of services, products, customers, territories, and contracts. Revenue, payroll, employee roles, subcontractors, and classification details. Vehicles, drivers, equipment, property, inventory, and security controls. Prior claims, incidents, cancellations, current policies, limits, and deductibles.

Ask for comparable proposals

Request the same coverage limits, deductibles, locations, endorsements, exclusions, and effective dates where possible. Ask what is not covered, how claims are triggered, who handles claims, and what assumptions were used.

Accuracy matters. Never alter or omit material information to make a quote appear cheaper.