Productivity
Compare insurance proposals
Coverage differences that matter, not just the premiums.
Fill it in
What the carriers sent.
That is where the policies actually differ.
With the reason and the trade.
Your prompt
Compare the proposals in . Compare the EXCLUSIONS and the sub-limits, not the premiums. Commercial policies with the same headline limit differ enormously in what they will not pay for, and the cheapest quote is usually the one that excludes the exposure this business actually has. Normalise the coverage into one table: limits, deductibles, sub-limits, defence costs inside or outside the limit, and the trigger. Defence costs inside the limit is the difference that surprises people. Check the carrier's rating and how claims are handled. Recommend one, with the reason and what is being traded away. A comparison with no recommendation sends the buyer to the cheapest column.
Continue and pick your folderOpens with everything above already filled in.
Why this works
Commercial policies with the same headline limit differ enormously in what they will not pay for, and the cheapest quote usually excludes this business's actual exposure. This compares exclusions and sub-limits, including whether defence costs sit inside the limit.