What to Prepare Before Requesting a Business Insurance Quote

Describe your operations clearly

Underwriters price from a clear description of what you do. Prepare a short summary of your services, the industries you serve, and how you deliver work. Ambiguity slows quotes and can lead to misclassification.

Gather the numbers underwriters ask for

Most quotes need annual receipts or payroll, property and contents values, vehicle and driver details, and any contract limits you must meet. For workers' compensation, have payroll by role or class code ready.

• Annual gross receipts and payroll by role
• Building and contents replacement values
• Vehicle schedule and driver records
• Contractual limit and additional-insured requirements

Collect current policies and contracts

Current policies and your largest client contracts show what you have and what you must satisfy. Bring them to the conversation so we can compare limits, terms, and gaps.

Note what you're unsure about

You don't need to know exactly which coverage you need. Note the questions you have and the contracts or client requests that prompted you to look — that context helps us tailor the conversation.