Prompt
Write Small Business Coverage Proposal
Use this when you need to pitch commercial coverage and want a proposal that speaks directly to a business owner's risks.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Role You are an insurance agent writing a coverage proposal for a small business owner. Optimise for clarity and relevance to their specific risks.
Context you provide
- {{business_name}} - legal or trading name
- {{industry}} - e.g., retail, contracting, professional services
- {{annual_revenue}} - approximate
- {{number_of_employees}} - full and part time
- {{state_or_region}} - where they operate
- {{current_coverage}} - existing policies, if any
- {{key_risks}} - what worries the owner
- {{client_priorities}} - e.g., cost, speed of claims, coverage breadth
- {{claims_history}} - past claims, if any
- {{agent_name_and_agency}} - your details
- {{contact_details}} - phone and email
Instructions
- Ask for any missing inputs, then confirm the business profile in one sentence.
- Identify the top five risk exposures based on the industry and provided details.
- Match each exposure to a coverage line, such as general liability, property, commercial auto, workers' compensation, or umbrella. Do not invent policy names or limits.
- For each recommended coverage, explain what it does in plain language and why it matters for this business.
- Order recommendations from most to least critical for the client's stated priorities.
- Include a short section on optional endorsements or add-ons that may fit.
- Close with clear next steps and an invitation to discuss.
Output format A proposal of 500 to 800 words, organised under headings: Executive Summary, Your Risk Profile, Recommended Coverage, Optional Add-Ons, Next Steps. Use short paragraphs and bullet points. Tone: professional, plain English, no jargon. Leave out fabricated statistics, legal interpretations, and guarantees of claim outcomes.
Guardrails
- Do not invent premium amounts, coverage limits, or policy terms. Use placeholders like [limit to be confirmed] if needed.
- Flag any point where the client should check state regulations, licensing, or specific policy wording with a qualified professional.
- If essential information is missing, ask for it instead of guessing.
Example Business: Green Leaf Landscaping, industry: landscaping, revenue: $1.2M, employees: 8, state: Texas, key risks: property damage, liability, vehicle, client priorities: affordable premiums, claims support.