How do I get business insurance quotes?

Underwriting requirements vary by carrier and by risk. The items below are representative of common submission requests and are not exhaustive.

Use this page as a working checklist: tick each item as you gather it. Your progress is saved in this browser, so you can come back to it as you prepare.

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What do you need for any business insurance quote?

Every carrier starts with the same company basics, so gather these once and reuse them for each coverage line you request.

• Legal entity name, any DBAs, entity type and FEIN.
• One paragraph on what you sell and who buys it.
• Revenue for last fiscal year and this year's estimate.
• Employee and contractor count, by state.
• Office addresses, and whether each is owned or leased.
• Current policies, limits, premiums and renewal dates.
• Loss runs for the last three to five years.
• The date coverage must start, such as a lease, contract or funding close.

What do insurers ask for general liability?

General liability carriers price on your premises, revenue and contracts, so expect questions about where you work, what you sell and what your customer agreements require.

• Square footage of each office.
• Revenue split by product or service.
• Customer or landlord contracts that require specific limits or additional insured status.
• Any work at customer sites, events you host or products you ship.

What do insurers ask for professional liability?

Professional liability carriers want to know what you deliver, the contracts you sign and, for cyber, how you protect your systems and the data you hold.

What do insurers ask for tech E&O and E&O?

• The services or software you provide, and the industries you serve.
• Your standard customer contract or MSA, including liability caps and indemnity terms.
• Your largest customers and their share of revenue.
• The retroactive date on your current policy, if you have one.

What do cyber insurers ask for?

• The types of data you hold, such as personal, payment or health records, and roughly how many.
• Multifactor authentication on email, remote access and admin accounts, as the FTC recommends.
• Backups that are encrypted, kept off the network and tested.
• Endpoint detection and response on company devices, and timely software updates.
• Security awareness and phishing training for staff.
• An incident response plan and the vendors you would call.

What do insurers ask for management liability?

Management liability carriers ask about ownership and finances for D&O, hiring and HR practices for EPL, and who can move money for crime coverage.

What do D&O insurers ask for?

• Ownership and cap table, and board members.
• Funding raised to date and any round planned in the next year.
• Most recent financial statements.
• Any pending or threatened lawsuits or regulatory inquiries.

What do EPL insurers ask for?

• Headcount by state and terminations in the last 12 months.
• Your employee handbook and anti-harassment policy.
• Any employee complaints, charges or claims in the last three years.

What do crime insurers ask for?

• Who can send payments, and their approval limits.
• Call-back verification before changing vendor bank details.
• Dual sign-off on wires above a set amount.
• Bank reconciliations done by someone who does not send payments.

Once your list is ready, see which quote you should pick to compare what comes back, or start with business insurance basics if a coverage line is new to you.