Resource · Quoting
Business Insurance Quote Document Checklist.
The faster we get accurate information, the faster — and more accurately — we can quote. Here's everything that helps us shop your business across 50+ carriers and avoid surprises at audit.
Core information
What every quote needs
- Legal business name, DBA, and FEIN
- Business address(es) and a description of operations
- Annual revenue and estimated annual payroll
- Employee count and ownership/officer details
- Years in business and prior claims history
- Current policies (declarations pages) if you have coverage now
Coverage-specific
Add these depending on the coverage
- Workers' comp: payroll by job type, prior loss runs (3–5 years), ex-mod worksheet
- General liability: operations detail, subcontractor use, contracts requiring coverage
- Commercial property: building value, business personal property, square footage, construction type
- Commercial auto: vehicle schedule (VIN, year, make, model), driver list with MVRs
- Bonds: CPA-prepared financials, work-in-progress schedule, contract details
Why it matters
Accurate inputs, accurate premium
Loss runs and accurate payroll are what carriers price on. Guessing low at quote time just means a bill at audit; guessing high means you overpay all year. Sending complete documents up front lets us compare carriers on equal footing and lock in the right premium the first time.
Questions
Quote Document Checklist FAQ
What are loss runs and where do I get them?
Loss runs are your claims history report. Request them from your current or prior carrier or agent — most provide 3–5 years. They're one of the biggest factors in pricing, especially for workers' comp.
Do I need exact payroll numbers?
Close estimates are fine to start, but the more accurate they are, the closer your quote is to your audited premium. We can help you break payroll out by class code.
I don't have current coverage — can you still quote?
Yes. New ventures and lapsed accounts are quotable; we'll just gather operations detail, projected payroll/revenue, and any prior history available.
How long does a quote take?
With complete documents, same-day quotes are often available for standard accounts. More complex or specialty risks take longer because we shop additional markets.
Ready when you are
Talk to a licensed California broker.
Same-day quotes are often available for standard accounts. No spam, no obligation — we shop multiple carriers to compare your options.