Accordion
Business Details
- Legal business name and any trade names
- Type of business (industry, operations, services/products offered)
- Years in operation
- Business structure (e.g., sole proprietorship, partnership, corporation)
- Number of locations and addresses
Contact Information
- Name and title of the person completing the quote
- Phone number and email
Financial Information
- Annual revenue or gross sales
- Payroll details (if employees are insured)
- Estimated values of business property, inventory, or equipment
Coverage History
- Existing insurance policies and insurers
- Claims history (past 3–5 years)
- Any losses or incidents
Employees
- Number of employees
- Roles or job types (relevant for liability or workers’ compensation assessment)
Property & Operations Information
- Building ownership (owned vs. rented)
- Details of property or equipment to insure
- Security measures (alarms, sprinklers, CCTV, etc.)
- Operations that might increase risk (e.g., manufacturing, heavy machinery, client visits)
Specific Coverage Needs
- Type of insurance required (e.g., CGL, property, professional liability, business interruption)
- Limits of coverage desired
- Any optional endorsements (e.g., cyber liability, equipment breakdown, employee benefits)
Additional Risk Factors
- Vehicles used for business purposes
- Hazardous materials handled
- Any regulatory or licensing requirements
Property Details
- Address(es) of the property
- Type of property (e.g., office, retail, warehouse, condo, home-based business)
- Ownership status (owned or leased)
- Year built, construction type, number of floors, and square footage
- Renovations or upgrades
Property Usage & Operations
- How the property is used (e.g., office, storage, manufacturing, retail)
- Hours of operation and occupancy
- Number of employees on-site
Property Value & Contents
- Building replacement cost or estimated value (note: we have tools to help guide clients in terms of building values)
- Value of business personal property, equipment, inventory, or stock
- Any valuable items requiring additional coverage (e.g., electronics, fine art)
Safety & Security Features
- Fire protection (alarms, sprinklers, extinguishers)
- Burglar or security systems
- Locked storage for valuables
- Property maintenance procedures
Coverage History & Claims
- Existing insurance policies and insurers
- Loss history (past 3–5 years)
Coverage Needs
- Type of coverage required (e.g., standard property, equipment breakdown, business interruption)
- Desired coverage limits and deductibles
- Optional endorsements (e.g., flood, earthquake, tenant’s improvements, cyber coverage)
Additional Risk Factors
- Proximity to hazards (flood zones, fire-prone areas, high crime areas)
- Any special operations (hazardous materials, cooking, welding, etc.)
Vehicle Details
- Year, make, and model of the vehicle
- Vehicle identification number (VIN)
- Vehicle usage (business, personal, or both)
- Estimated annual mileage
- Ownership status (owned, leased, or financed)
- Garaging location (address where the vehicle is primarily kept)
Driver Information
- Name, date of birth, and license number for each driver
- Driving history (accidents, violations, suspensions in the last 3–5 years)
- Relationship to the business (for commercial policies)
Business Details (for Commercial Auto)
- Legal business name and type of business
- Number of vehicles to be insured
- Types of operations involving vehicles (delivery, transporting employees, sales calls, etc.)
- Whether vehicles are used by employees other than the owner
Current Coverage & History
- Existing insurance policies and insurers
- Claims history (accidents, theft, or damage in the past 3–5 years)
- Desired coverage start date
Coverage Needs
- Type of coverage requested (liability, comprehensive, collision, uninsured motorist, etc.)
- Coverage limits and deductibles
- Optional endorsements (e.g., hired/non-owned auto, equipment on vehicles, roadside assistance)
Additional Risk Factors
- Modifications to the vehicle (aftermarket equipment, commercial modifications)
- High-risk usage (heavy loads, transporting hazardous materials)
Farm and Business Details
- Legal farm name and contact information
- Type of farming operation (e.g., livestock, dairy, crops, mixed)
- Years in operation
- Ownership structure (sole proprietorship, partnership, corporation)
- Number of acres and location(s) of the farm
Property & Buildings
- Description and value of farm buildings (barns, silos, sheds, homes, outbuildings)
- Construction type, year built, and square footage
- Contents and equipment values (tractors, machinery, tools, feed, chemicals)
- Safety measures (alarms, sprinklers, firebreaks, fencing)
Livestock & Crops
- Types and numbers of livestock
- Crop types and acreage
- Estimated values of livestock and crops
- Measures to reduce risk (vaccinations, fencing, irrigation, storage)
Vehicles & Machinery
- Farm vehicles (tractors, trucks, ATVs, combines, trailers)
- Ownership (owned, leased, financed)
- Vehicle usage (on-farm, road, both)
Employees & Operations
- Number of employees and their roles
- Seasonal labor considerations
- Specific farm operations that may increase risk (e.g., spraying chemicals, large machinery, confined animal feeding)
Insurance & Claims History
- Existing insurance policies and insurers
- Loss history (past 3–5 years)
Coverage Requirements
- Type of coverage needed (property, liability, equipment breakdown, crop insurance, livestock coverage, business interruption)
- Desired coverage limits and deductible
- Optional endorsements (e.g., pollution liability, product liability, off-farm exposures)
Additional Risk Factors
- Flood or fire-prone areas
- Proximity to roads or neighbors
- Storage of hazardous materials or fuel