03-Creating-Proposals

Creating Insurance Proposals

This guide shows you how to create professional insurance proposals step by step. By the end, you'll be able to create proposals in just a few minutes!

Starting a New Proposal

Step 1: Click "Create New Proposal"

1. From your dashboard, find the blue "Create New Proposal" button
2. Click it to start
3. You'll see the proposal creation form

Step 2: Enter Business Information

This is the most important part. Be accurate!

Business Name

• Type the exact business name
• Example: "Joe's Pizza Restaurant"
• Not just "Joe's" or "Pizza Place"

Business Address

• Start typing the address
• A dropdown will appear with suggestions
• Click the right address from the list
• This auto-fills city, state, and zip code

Business Type/Industry

Choose from the dropdown menu: - Restaurant - Retail Store - Office/Professional - Manufacturing - Construction - Healthcare - Auto Service - And many more...

Be specific! Instead of just "Restaurant," choose: - Fast Food Restaurant - Fine Dining Restaurant - Bar & Grill - Coffee Shop

Years in Business

• How long has this business been operating?
• New businesses (under 1 year) may have different rates

Number of Employees

Enter the total number: - Full-time employees - Part-time counts as half - Include owners who work in the business

Annual Revenue

Estimate their yearly income: - Under $100,000 - $100,000 - $500,000 - $500,000 - $1 million - Over $1 million

Step 3: Select Coverage Types

Check the boxes for insurance types the client needs:

General Liability (Most Common) - Protects against customer injuries - Covers property damage claims - Almost every business needs this

Property Insurance - Covers the building (if they own it) - Covers equipment and inventory - Protection against fire, theft, storms

Workers' Compensation - Required if they have employees - Covers workplace injuries - Required by law in most states

Commercial Auto - For business vehicles - Delivery vehicles - Company cars

Professional Liability - For service businesses - Covers mistakes and errors - Important for consultants, doctors, lawyers

Cyber Liability - Protects against data breaches - Covers online threats - Important if they store customer data

Step 4: Add Coverage Amounts

For each coverage type, specify limits:

General Liability Example: - Per Occurrence Limit: $1,000,000 - Aggregate Limit: $2,000,000 - This means up to $1 million per incident, $2 million total per year

Property Insurance Example: - Building Value: $500,000 - Contents/Equipment: $100,000 - Business Income: $200,000

Don't worry if you're not sure - the system will suggest appropriate amounts!

Step 5: Risk Assessment Information

Answer these questions to help assess risk:

Safety Measures - Do they have security cameras? (Yes/No) - Do they have an alarm system? (Yes/No) - Is there a sprinkler system? (Yes/No)

Claims History - Any claims in the last 5 years? (Yes/No) - If yes, briefly describe

Special Risks - Do they serve alcohol? (for restaurants) - Do they work at heights? (for contractors) - Do they handle hazardous materials?

Generating the Proposal

Click "Generate Proposal"

After entering all information: 1. Review everything for accuracy 2. Click the green "Generate Proposal" button 3. Wait 30-60 seconds 4. The system will create your proposal

What Happens During Generation?

The system automatically: - Analyzes the business type - Identifies potential risks - Calculates appropriate coverage - Creates professional content - Formats everything nicely

Reviewing Your Proposal

The Proposal Sections

Your proposal will include:

1. Executive Summary - Brief overview - Key recommendations - Total estimated cost

2. Business Overview - Details about the client's business - Industry analysis - Risk factors

3. Coverage Recommendations - Detailed coverage explanations - Why each coverage is important - Recommended limits

4. Risk Analysis - Identifies specific risks - Shows a risk heat map (color-coded chart) - Red = High Risk, Yellow = Medium, Green = Low

5. Coverage Comparison - Side-by-side comparison table - Shows different options - Helps clients choose

6. Premium Estimates - Estimated costs - Payment options - Potential discounts

7. Next Steps - How to proceed - Your contact information - Call to action

Editing the Proposal

You can edit any section:

1. Click the pencil icon next to any section
2. Make your changes
3. Click "Save"

Common edits: - Adjust coverage amounts - Add personal notes - Update pricing - Add specific recommendations

Using the AI Assistant

Need to improve a section? 1. Click "Regenerate Section" 2. Choose what to improve: - Make it simpler - Add more detail - Change the tone - Update information 3. The AI will rewrite that section

Customizing Proposals

Adding Custom Sections

1. Click "Add Section"
2. Choose from:

• Case Studies
• Testimonials
• Additional Services
• Special Offers

1. Type or paste your content
2. Click "Insert"

Reordering Sections

1. Click "Reorder Sections"
2. Drag and drop sections to new positions
3. Click "Save Order"

Using Templates

Save time with templates:

1. After creating a good proposal
2. Click "Save as Template"
3. Name your template (e.g., "Restaurant Template")
4. Next time, click "Use Template" when starting

Finalizing the Proposal

Preview Before Sending

1. Click "Preview" to see how it looks
2. Check:

• All information is correct
• Your contact info is visible
• Pricing is accurate
• No typos or errors

Generate PDF

1. Click "Generate PDF"
2. Choose options:

• Include cover page
• Include table of contents
• Add page numbers

1. Click "Download PDF"
2. Save to your computer

Sharing Options

Option 1: Email Directly 1. Click "Send via Email" 2. Enter client's email 3. Add a personal message 4. Click "Send"

Option 2: Share Link 1. Click "Get Share Link" 2. Copy the link 3. Send via text, email, or messenger 4. Link expires in 30 days

Option 3: Download and Attach 1. Download the PDF 2. Attach to your own email 3. Send from your email program

Tracking Your Proposals

View Status

In your dashboard, see: - Draft - Not sent yet - Sent - Delivered to client - Viewed - Client opened it - Accepted - Client accepted - Expired - Needs updating

Getting Notifications

You'll be notified when: - Client views the proposal - Client downloads the PDF - Client requests changes - Proposal is about to expire

Quick Tips for Better Proposals

Be Accurate

• Double-check business names
• Verify addresses
• Confirm employee counts

Be Thorough

• Include all relevant coverages
• Don't skip risk assessment questions
• Add notes about special circumstances

Be Professional

• Use proper grammar
• Keep language simple
• Include your photo and signature

Be Responsive

• Send proposals quickly
• Follow up within 24-48 hours
• Answer client questions promptly

Common Mistakes to Avoid

Don't Rush

• Take time to enter accurate information
• Review before sending
• Check for typos

Don't Oversell

• Recommend appropriate coverage
• Explain why coverage is needed
• Be honest about costs

Don't Forget Follow-Up

• Set reminders to follow up
• Send additional information if requested
• Be available for questions

Advanced Features

Bulk Proposals

Creating multiple similar proposals? 1. Use "Duplicate Proposal" feature 2. Change only what's different 3. Save hours of time

Proposal Packages

Combine multiple coverage options: 1. Create "Good, Better, Best" options 2. Let clients choose their level 3. Increases acceptance rates

Seasonal Adjustments

Some businesses have seasonal risks: - Landscapers in summer - Snow removal in winter - Retail during holidays Adjust proposals accordingly

Troubleshooting

Proposal Won't Generate?

• Check all required fields are filled
• Try refreshing the page
• Contact support if it persists

PDF Won't Download?

• Try a different browser
• Clear your browser cache
• Check your internet connection

Client Can't View Proposal?

• Check email went to correct address
• Check their spam folder
• Send a fresh link

Best Practices

1. Save Your Work

• System auto-saves every 30 seconds
• But click "Save Draft" for important changes

1. Use Notes

• Add internal notes (client won't see)
• Record important conversations
• Note special requirements

1. Keep Records

• Download copies of all proposals
• Save to your computer or cloud storage
• Maintain for compliance

What's Next?

Now you know how to create proposals! Learn more about: - Customizing PDF Designs - Make proposals match your brand - Setting Up Templates - Save time on common proposals - Using Analytics - Track your success rate

Pro Tip: The more proposals you create, the faster you'll get. Most agents can create a complete proposal in under 5 minutes after practicing!