Free business insurance tool

Commercial Insurance Quote Comparison

Compare two or three business insurance proposals side by side. Review premiums, fees, limits, exclusions and open questions in a free printable worksheet.

Inputs: Two or three actual proposals
Comparison: Price, policy terms & questions
Your result: A printable worksheet

About this tool

Use proposals or renewal terms you already have to understand what each price includes. Keep missing details visible and prepare a focused conversation about the policy wording.

This tool organizes self-reported information. It does not obtain live quotes, rank insurers or determine which policy is suitable.

1. Enter your proposals
2. Compare & take your next step

See what is behind the price.

Add two or three commercial insurance proposals you already have. Compare the quoted amounts, policy terms and questions that need an answer. Your worksheet stays in this page until you choose to include it in a request.

No documents or policy numbers needed. Enter a short summary in your own words and leave unknown details blank. Refreshing or leaving this page clears the worksheet.

Which insurance topic are you comparing?

Start with proposals for the same insurance need and business activities. If one is a package, record what it includes under policy details.

Proposal A

Insurer or proposal label (optional)

A short name is enough. Leave policy numbers and personal information out.

Quoted amount (USD)

Use the figure from your proposal. Leave blank if unknown; use 0 only if explicitly quoted.

What does that amount represent?

A monthly installment is a payment toward a policy, not automatically a monthly insurance rate.

Payment schedule (optional)

For example: down payment plus 9 installments. We do not multiply payments to invent a full-term price.

Are all taxes and fees accounted for?

Check broker fees, installment charges and financing costs for the full term.

Effective date

Expiration date

Dates are optional. Use YYYY-MM-DD, as shown in your proposal.

Add limits & policy details Make the comparison more useful; unknowns can stay blank.

Limits, sublimits & covered activities

Keep each limit’s basis: per claim, per occurrence or aggregate. Include the activities being insured. Up to 240 characters.

Your share of a covered claim

A deductible and a self-insured retention are distinct arrangements. Use the wording from the proposal.

Amount & how it applies

For example: $2,500 per claim, or a percentage deductible with a minimum. Include any waiting period. Up to 120 characters.

Policy form

How are legal defense costs treated?

Use the actual policy terms; a separate defense limit is different from unlimited defense costs.

Exclusions to discuss

Note any activities, claims or losses the proposal excludes. Blank does not mean no exclusions. Up to 240 characters.

Endorsements & conditions

Note requested additions or restrictions, such as additional insured status or a waiver of subrogation. Up to 240 characters.

Questions for the provider

For example: Are all business locations included? Are there audit or minimum-earned-premium conditions? Up to 240 characters.

Proposal B

Insurer or proposal label (optional)

A short name is enough. Leave policy numbers and personal information out.

Quoted amount (USD)

Use the figure from your proposal. Leave blank if unknown; use 0 only if explicitly quoted.

What does that amount represent?

A monthly installment is a payment toward a policy, not automatically a monthly insurance rate.

Payment schedule (optional)

For example: down payment plus 9 installments. We do not multiply payments to invent a full-term price.

Are all taxes and fees accounted for?

Check broker fees, installment charges and financing costs for the full term.

Effective date

Expiration date

Dates are optional. Use YYYY-MM-DD, as shown in your proposal.

Add limits & policy details Make the comparison more useful; unknowns can stay blank.

Limits, sublimits & covered activities

Keep each limit’s basis: per claim, per occurrence or aggregate. Include the activities being insured. Up to 240 characters.

Your share of a covered claim

A deductible and a self-insured retention are distinct arrangements. Use the wording from the proposal.

Amount & how it applies

For example: $2,500 per claim, or a percentage deductible with a minimum. Include any waiting period. Up to 120 characters.

Policy form

How are legal defense costs treated?

Use the actual policy terms; a separate defense limit is different from unlimited defense costs.

Exclusions to discuss

Note any activities, claims or losses the proposal excludes. Blank does not mean no exclusions. Up to 240 characters.

Endorsements & conditions

Note requested additions or restrictions, such as additional insured status or a waiver of subrogation. Up to 240 characters.

Questions for the provider

For example: Are all business locations included? Are there audit or minimum-earned-premium conditions? Up to 240 characters.

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How to Use This Tool

Choose proposals for the same insurance need and describe any differences in covered business activities or package contents.

Enter the quoted amounts

Choose a commercial insurance topic and enter two or three proposals in USD. Identify whether each amount is the full policy-term premium or only an installment or down payment.

Add fees, dates and policy details

Record full-term taxes and fees, effective and expiration dates, limits, deductibles or retentions, exclusions and endorsements. Use the actual terms; unknown details can remain blank.

Review the differences and questions

A full-term total appears only when its premium and fee basis are stated. Matching price fields and dates do not establish equivalent coverage. Take outstanding questions to a licensed professional.

Print or continue to a quote request

Keep the worksheet for your provider conversations. If you want to request quotes, review the included summary and then enter your business and contact information.

Frequently Asked Questions

Does the comparison tool find the cheapest or best policy?

No. It displays the details you enter without ranking insurers or selecting a winner. A lower quoted price may reflect different limits, covered activities, exclusions, conditions or service.

Can I compare monthly payments with annual premiums?

Record the amount and its actual basis. The tool never multiplies one installment or down payment into an annual premium. Ask for the complete policy-term premium and total taxes and fees before comparing totals.

What happens if a fee or policy detail is missing?

Missing information remains unknown. Blank fees are not treated as zero, and an incomplete price basis does not produce a full-term total. The worksheet lists questions to resolve with the provider.

Which policy terms should I compare besides price?

Use the actual proposal to compare covered activities, limits and sublimits, deductibles or retentions, defense costs, exclusions, endorsements and effective dates. For claims-made terms, ask about prior acts, the retroactive date and reporting conditions.

Do I need to upload documents or enter my email?

No. Enter short notes from your proposals; leave out policy numbers and personal information. View and print the comparison without contact details, or choose to include the worksheet in a quote request.