Free Insurance Proposal Template
An insurance proposal covers the cover being arranged, what gets checked in the wording, what you receive as proof, and the fees and terms for the brokerage work.
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A landlord or bank asks for an attestation, and the paperwork has to hold up later if a loss adjuster starts pulling at the wording. This insurance proposal is written for commercial insurance broking, where the real job is matching declared activity, premises use, subcontracting, and sums insured to what actually happens day to day.
The pages move from Overview into who the brokerage is, the Team you’ll deal with, and a short A recent project showing how a clean-looking certificate can still hide an “out of scope” problem. Our approach then spells out the fact-find and wording checks that catch refusals early, before the proposal lands on Fees and the single priced option, Attestation Pack + Wording Check.
- Overview Frames what gets set up, what gets checked to avoid later refusals, and what gets issued once the wording is bound.
- Who you are working with Explains the brokerage’s role in getting declarations right up front and staying on the file when a claim turns into questions and paperwork.
- Our approach Describes the fact-find and wording check so the client can see what you’ll confirm in writing before anything is bound.
- Fees Holds the single priced item, and you swap in your own price before sending.
- Next steps Carries the signature and fee summary, so acceptance also confirms the chosen option and what you need next.
In Plutio, you replace the price on the one line item, send the proposal, and the client accepts it with an online signature so the fee summary and the signed copy are captured in the same place.
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
| Part | What it covers |
|---|---|
Overview | Opens with what the proposal covers: translating real activity into insurer terms and checking the gaps that lead to refused claims. The wording focuses on declared trades, subcontracting, premises use, sums insured, and excesses. |
Who you are working with | Describes the brokerage and how support works when the insurer asks for clarifications during a claim. The section also explains how declarations get confirmed in writing. |
The team | States that the same three people handle the file from questions through attestations and, if it happens, the claim file. |
A recent project | Gives a concrete example of narrowing problems in declared activities and subcontracting, and how the activity wording gets rebuilt so schedules and attestations match. The story stays focused on what a claim would be decided on. |
Our approach | Breaks down the fact-find and the wording check that compares what’s declared against exclusions, excesses, and conditions that trigger refusals. The client gets a written recap to confirm before binding. |
Fees | Includes a priced item section with Attestation Pack + Wording Check as the single option. You replace the template’s price with your own. |
Next steps | Carries a signature and fee summary so acceptance confirms the chosen option. The steps ask for current policy documents, the attestation request wording, and answers to the fact-find. |
What the fee covers | Defines what’s included in the fee versus what the insurer bills separately, and when payment is due. The section also lists what details are needed before binding and notes that missing items delay attestations. |
Changes to the work | Explains what needs re-checking when activity, premises, subcontracting, or turnover changes, and how attestation timing depends on underwriting. The section also describes what claim support covers and what the client still signs themselves. |
Who it is for
Commercial insurance brokers and agents putting together RC Pro attestations for builders, shops, cafés, and small fleets where the wording has to match the real risk.
Questions about this proposal template
What should an insurance proposal include?
An insurance proposal usually explains what cover is being arranged, what information gets checked to match the real risk, what proof gets issued, and what the brokerage fees and terms are. This one also covers how claims support works and what changes need a re-check.
How do I describe my business activities for commercial insurance?
Insurers decide claims against the declared activity wording, so the description needs to match the actual work, methods, and where the work happens. This proposal includes a fact-find and a written recap step so the activity can be confirmed before binding.
Can I get an insurance attestation the same day?
Same-day attestations depend on whether the insurer can bind and issue the certificate that day. If underwriting questions or extra documents are required, the proposal explains that the list is sent the same day and the attestation follows once the insurer releases it.
Does subcontracting affect my liability insurance cover?
Subcontracting can change how the insurer treats responsibility and what sits inside the declared activities, which can matter in a claim. This proposal calls out subcontracting as something to confirm in writing so the policy schedule and attestations stay consistent.
What happens if my premises or work changes after an attestation is issued?
An attestation can still look correct even when the underlying contract wording no longer matches the real activity or premises use. This proposal includes a changes section that says those shifts should be checked with the insurer before the changed work starts.
What’s included in an insurance broker fee versus the insurer’s charges?
Broker fees cover the fact-find, wording checks, and issuing the attestation pack once the insurer confirms cover. Premiums, taxes, and policy fees sit with the insurer and get billed separately, and the proposal states when the broker fee is due and the payment method.
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