Quoting Agent
Gather, submit, market, compare, and propose just like your account manager.
Works using
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No new system.No integrations.
quoted while they're still deciding ↗
- Named insuredCarver Mechanical LLC
- Class codeHVAC contractor
- Payroll$2.41M
- Vehicles14
- General liability · $1M / $2M14,820.00
- Commercial property · $3.2M TIV9,640.00
- Business auto · 14 units18,910.00
- Umbrella · $5M4,842.00
Why is Carrier B cheaper? Can we just take that?
Carrier B leaves out hired and non-owned auto, which you have today. I've asked Ellen to call you about it before you decide.
- 01Submission
- 02ACORD
- 03Carriers
- 04Comparison
- 05Proposal
Instant quotes. Win more deals.
The first good quote usually wins the job. Your agent sends it while the customer is still deciding.
- Request sits in the inbox
- Quote goes out Days per carrier
- Deal lost. A direct writer put a number in front of the client first.
With your agent✦ Instant- Picked up the moment it lands
- Drawn, priced, approved, sent hours
- First in the inbox. Deal won.
Quoting for insurance brokerages is messy
- Renewals pile up. 90 days out becomes 9
- Keyed five times. Same ACORD, every carrier portal
- Lost to direct writers. They quoted while you keyed
- E&O exposure. One wrong limit, one bad day
An agent that handles the messy parts your way.
- 01ACORD forms125, 126, 127, 140 and more
- 02Every carrier portalDifferent screens, same data
- 03Apples to applesLimits, deductibles, exclusions
- 04Licensed adviceStays with your producer
- 05AMS of recordActivities and notes logged
Every quote, by hand. Agents should!
- ManualAgent Collect exposures
- ManualAgent Loss runs
- ManualAgent Fill ACORDs
- ManualAgent Update the AMS
- ManualAgent Carrier portal 1
- ManualAgent Carrier portal 2
- ManualAgent Email wholesalers
- ManualAgent Compare quotes
- ManualAgent Build proposal
- ManualAgent Answer client
- ManualAgent Bind & COIs
No new system. No integrations.
You're not buying software. You're adding an agent that uses the software you have.
- Your screens It uses your CAD, quoting system and inbox with keyboard, mouse and screen.
- Nothing to connect No API projects, no new software, no data migration. Your systems stay as they are.
- Built by talking Explain your process like you'd train a new hire. It learns by doing a real quote.
- You approve Drawings, prices, discounts, sends. Wherever you want a person, it stops and asks.
- Every run on record Screenshots, values read, prices used and who approved, for every quote.
Hand the whole quote to an agent
- Gathers exposures
- Fills the ACORDs
- Producer approves markets
- Submits to carriers
- Compares quotes
- Builds the proposal
- Producer approves
- Answers the client
Agent does itYou decide
Five steps. One quote.
One job, start to finish: Carver Mechanical, commercial package renewal.
- 01
It builds the submission
Exposures, loss runs and prior policy into ACORD 125, 126, 140.
Applied Epic · ACORD 125- Named insuredCarver Mechanical LLC
- Class codeHVAC contractor
- Payroll$2.41M
- Vehicles14
ACORD 125 · Carver Mechanical
- 02
It markets the account
Keys it into each carrier portal. Emails your wholesalers.
Carrier portals · quotes inItem From Price Carrier A package Carrier portal $48,212 Carrier B packageExcludes hired & non-owned auto Carrier portal $45,980 Carrier C package Wholesaler email $51,400 Expiring premium Applied Epic $43,750 - 03
It compares the quotes
Premium, limits, deductibles, exclusions. Side by side, line by line.
Proposal · Carver MechanicalQuote PR-2026-311Carver MechanicalDraftDescription Qty Unit Amount General liability · $1M / $2M 1 pol 14,820.00 Commercial property · $3.2M TIV 1 pol 9,640.00 Business auto · 14 units 1 pol 18,910.00 Umbrella · $5M 1 pol 4,842.00 Recommended: Carrier A · expiring $43,750$48,212.00 - 04
It drafts the proposal
Your template, your disclosures. Your producer signs off.
Outlook · New messageToDana Carver
SubjectYour renewal options for 02/01
Hi Dana, your renewal proposal is attached. We went to three markets. Premium is up mostly because payroll grew 12% and two trucks were added. Everything you need to bind is on page 6.
Carver renewal proposal.pdf
Send - 05
It answers the client
Why the premium moved, what's covered, what's needed to bind.
Email · Carver MechanicalWhy is Carrier B cheaper? Can we just take that?
Carrier B leaves out hired and non-owned auto, which you have today. I've asked Ellen to call you about it before you decide.
Answered from: Proposal comparison, page 3
Insurance brokerages: every step
What the agent does, where you decide, and the rules it checks.
you decide every green box
- Renewal or new submission
- Pull account & policies from AMS
- Read loss runs, SOV, schedules
- Fill ACORD 125 / 126 / 140
- All required fields?No → ask the client
- Producer picks markets
- Key into each carrier portal
- Email wholesalers & MGAs
- Collect quotes & indications
- Compare coverage line by line
- Coverage gap vs expiring?Yes → flag for producer
- Draft proposal & disclosures
- Producer approves proposal
- Send & answer client questions
- Advice needed?Yes → licensed producer
- Producer approves bind
- Bound. Update AMS, issue COIs
Agent does it You decide Rule check
Built around how you quote
Not a template. Your steps, your price book, your approvals.
- 01
Explain it once
Talk or type, like training a new hire. Hand over your SOP, price book and a few past quotes.
When a request comes in, first check: all required fields? If not, ask the client.
Quoting SOP.pdf Price book 2026.xlsx 3 past quotes - 02
Watch it work
It works a real job on your screen. You correct it the way you'd correct a person.
Use the 2026 price book, not last year's.
Got it. Switched to 2026 and re-priced 4 lines.
Read requestDrawingPricing - 03
Save your process
A written procedure and a flowchart. Every run follows the version you approved.
- Pull account & policies from AMS
- Read loss runs, SOV, schedules
- Fill ACORD 125 / 126 / 140
- All required fields?
- Producer picks markets
- Key into each carrier portal
Change anything. Any time.
Any step, any rule, any approval. Say what changed. Approve the new version.
- Fill ACORD 125 / 126 / 140
- Check this customer's historyAdded
- Coverage narrower than expiring?Changed
- Compare coverage line by line
- Producer approves bindRepeat customers: skip
- Coverage gap vs expiring?
Add a step after “Fill ACORD 125 / 126 / 140”: check this customer's history and flag anything unusual.
Step added
New rule: Coverage narrower than expiring → flag for producer.
Rule changed
Repeat customers under the limit don't need my approval anymore.
Approval changed
Saved as version 4. You approved it. The next run follows it. The last runs keep the version they ran on.
Your rules. Exactly.
Written once in plain English. Followed every time.
- Coverage narrower than expiring? Flag for producer
- Premium up over 15%? Producer calls first
- Client asks for advice? Licensed producer answers
Never, on any run
- Give coverage advice
- Bind without the producer
- Change a limit to save premium
- Issue a COI not on file
Approvals, where you want them
It stops and asks you.
What it built, what it checked, what looks off and what it suggests. Approve, edit, reject, or take the wheel.
from your desk or your phone ↘
Send Carver Mechanical's renewal proposal?
Every proposal is approved by the producer of record.
Agent suggests: Review the coverage gap, then approveOne item needs a look. Everything else checked out.
RENEWAL PROPOSAL · Carver Mechanical · eff. 02/01
Markets3 quoted · 1 declined
RecommendedCarrier A · $48,212
Carrier B$45,980 · no hired / non-owned auto
Change vs expiring+10.2% · payroll +12%, 2 units
SubjectivitiesSigned apps, loss control visit
Recommended premium$48,212.00
Review notes
- ACORD values match the AMS and the client's SOV
- Carrier B drops coverage the client has today
- Disclosures and broker fee text from your template
Your team, before and after
| Today | With your agent | |
|---|---|---|
| Carrier entry | Keyed per portal | Keyed by the agent |
| Account managers | Typing ACORDs | Talking to clients |
| Comparisons | Built at the end | Ready with the quotes |
| Renewal timing | Last-minute | Marketed early |
One quote, start to finish
if you wish to see it in action!
Conceptual walkthrough with sample data and a fictional company, not a recording of a customer's run. Screens of third-party software are recreated for illustration; product names belong to their owners.
How many hours can you get back?
Your volume, your times, your labor cost. Estimates, not results.
Submissions × (minutes today − minutes with the agent) ÷ 60 × hourly cost
These are example assumptions, not results. Example for a commercial lines team: minutes cover ACORDs, portal entry for three markets, the comparison and the proposal. Use your own numbers.
Questions owners ask us
Does it work in Applied Epic or AMS360?
It works the screens your account managers use, under their login and permissions, so it isn't tied to one system. We have no partnership with those vendors; we confirm the exact steps on your version before a pilot.
Can it key submissions into carrier portals?
Yes. That's most of the time saved. It enters the same data into each carrier's portal, saves the quote or indication, and attaches it to the account. Portals change; when a screen doesn't look the way it expects, it stops and asks.
Will it give clients insurance advice?
No. It answers factual questions from the proposal and the policy: what's included, what's needed to bind, when payment is due. Anything that's advice goes to a licensed producer with a suggested reply.
Who approves what?
You set it. Most agencies have the producer approve the markets, the proposal and the bind. The agent never binds coverage on its own.
Does it update the AMS?
Yes. Activities, attachments and notes are logged on the account as it works, so the file is complete when the producer opens it.
Which renewal should we market first?
Bring one renewal and the proposal you sent last year.
no new system. no integrations. ↗