Quote proposal

What goes in one

A good proposal compares options coverage by coverage, not just by price. The cheapest quote often carries a lower limit, a higher deductible, or a new exclusion, and the proposal is where the agency makes that visible instead of letting the client buy on the bottom line.

Proposals also carry the fine print that governs binding: effective dates, payment options, and subjectivities, which are the items the carrier requires before or shortly after coverage starts, like signed applications, loss runs, or an inspection.

Where it fits in the workflow

The sequence runs submission, carrier quotes, proposal, client decision, bind. The proposal is the handoff point between the agency's market work and the client's choice.

Label the status of every option. An indication is an estimate; a quote may still have conditions, an expiration date, and additional binding requirements. Preserve those qualifications in the proposal so the client understands what can be accepted and what remains outstanding.

Make one difference easy to understand

If two quotes have similar premium but different deductibles, show that difference beside the price. Carry through any relevant exclusion or condition. The client should be able to identify what they are choosing, not just which number is smaller.