Free Insurance Proposal Template
An insurance broker sends this proposal to an outfitter or small contractor to authorize intake and quoting, agree fees, and sign off online.
Send this insurance proposal when you are a broker quoting coverage for an outfitter or small contractor with vehicles, trailers, field staff, and moving gear. It lays out the scope of work, how quoting and binding will run, and what you charge for placement. It also sets expectations for certificates, timelines, and what you need from the client to quote.
It reads like a plain-language walk through: Overview frames the coverage problems that show up once operations get busy, and About us explains the kind of claims the broker is focused on. Meet the team names who the client will deal with, and A recent placement shows a field-based account and the policy lines involved. How we work breaks the process into intake, coverage decisions, quoting, and renewals, then Fees leads into Priced items for a single line called Core package. Get started lists the exact documents to send, then Payment covers invoicing timing, due date, carrier-billed premiums, client responsibilities, and what triggers extra work. Certificates explains turnaround, multi-state filings, carrier timing, and limits on what can be issued.
In Plutio, you send it as a proposal and the client signs in the browser. The pricing comes from the Priced items block and rolls up into the Fee summary, so you should replace the shipped prices before sending. Once it is signed, you have a dated acceptance and signature captured in the document.
We went from spending hours on every proposal to creating fully customized ones in under 5 minutes. That's not an exaggeration - we timed it.
What this proposal contains
1) Overview
Sets the context for why coverage needs to match real operations like headcount, vehicles, trailers, and job requirements. Summarize the scope, process, and pricing you are proposing before you send it.
2) About us
Explains the broker’s focus on outfitters and small contractors and how coverage gaps are handled. Update this to match your own approach and how you explain exclusions and limits.
3) Meet the team
Tells the client who they will talk to and that it will be the same three people. Replace the roles and names to match who will actually handle intake, quoting, and certificates.
4) A recent placement
Gives a concrete example of placing coverage for field operations with vehicles, staff, and equipment. Edit the scenario and policy lines so it matches the kind of accounts you place.
5) How we work
Describes the working cadence from intake and loss runs through coverage decisions, quoting, certificates, changes, and renewal planning. Align the steps to your actual workflow and the info you collect.
6) Fees
Introduces how placement fees vary by number of policies and loss history complexity. Set expectations that match how you price and what your options mean.
7) Priced items
Holds the priced line item the client is agreeing to, labeled Core package. Replace the shipped price with your own before sending.
8) Get started
Lists the next steps: sign to authorize intake and quoting, then send loss runs, vehicle lists, payroll by role, and contracts or waiver language. Edit the checklist so it matches what you require to quote.
9) Signature
Captures the client’s signature in the browser to approve the proposal. Confirm the signer details and any acceptance wording you need.
10) Fee summary
Summarizes the agreed fees based on the priced items. Review the totals so they match what you intend to charge.
11) Payment
States when the placement fee is invoiced, the 15-day due window, and that carrier premiums are billed by the carrier. It also lists quote requirements like current policies, five years of loss runs or a no-loss letter, and driver and vehicle lists, plus how changes and coverage decisions are handled.
12) Certificates
Sets expectations for certificate turnaround, required wording and job details, and that certificates must match policy terms in force. Covers multi-state response and filings, carrier timing, and what happens when a carrier declines or changes terms.
Who it is for
Insurance brokers placing coverage for outfitters and small contractors who run jobs with vehicles, trailers, field staff, and equipment that moves between sites.
Questions about this proposal
What should an insurance proposal include before a client signs it?
This proposal includes a written scope and process, a fees section, priced items, payment terms, and a signature block. It also spells out what the client must provide for quoting, like loss runs and vehicle and payroll details.
Can my client sign an insurance proposal online without printing it?
Yes, the client signs in the browser in this template. The signature sits inside the document as the acceptance.
What information do I need from a client to quote commercial insurance accurately?
The template asks for completed intake details, current policies, five years of loss runs or a no-loss letter, and driver and vehicle lists. It also calls out that delays getting these items delay quotes.
When do you invoice an insurance placement fee and when is it due?
It states the placement fee is invoiced when the client approves quotes and the bind order is submitted. Payment is due within 15 days, and carrier premiums are billed by the carrier.
How fast can an insurance broker issue certificates of insurance?
This template says certificates can usually be turned around the same business day when the broker has certificate holder wording and job details. It also states certificates can only be issued to match policy terms already in force.
Can coverage be placed for work across state lines and required filings?
The template says the broker will confirm whether the policies respond across state lines, including workers’ comp or auto filings that apply. If a state requires a filing, it will be requested through the carrier.
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