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Information for business owners and drivers.
Practical insurance guides
Simple ways to prepare for a quote and keep your coverage conversations on track.
Guide 01
A better first quote conversation
Start with a short description of your business: what you do, where you operate and the vehicles or equipment you rely on. Tell your agent what you want to insure and when you would like coverage to begin.
Keep your current policy nearby if you have one. It gives you a starting point for discussing what is working and what you would like to review. For a transportation business, be ready to describe your routes and the type of cargo you move.
You can start with our website form using basic contact information. Ask the team how to share any detailed documents that are needed later.
When reviewing quotes, keep a list of questions beside you. Ask which vehicles, people or property are included, what limits apply and what deductibles you would pay.
Ask the agent to explain exclusions and any differences between the options being discussed. If a customer or contract has specific insurance requirements, bring those requirements into the conversation before making your decision.
Commercial auto, general liability and workers compensation address different exposures. Make sure you understand which policies are part of your proposal.
A new vehicle, different routes, a new location or a change in the work you do can all be good reasons to contact your insurance agent.
Describe the planned change and when it will happen. Ask what information the agent needs, whether your existing policy addresses the change and what confirmation you should wait for.
Sending a message through this website does not itself change your coverage. Ask the team to confirm any requested change and its effective date.
Coverage descriptions are general. Availability, limits, deductibles and exclusions depend on the insurer and policy. A quote request does not bind, change or cancel coverage.
