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    Brokers: quote comparison discipline and proof of offer

    5 min read

    The industry standard: present options on a like-for-like basis, show what was offered, and capture what the client declined. Documented offers and declinations are the single strongest piece of E&O protection an agency keeps.

    How it works here: the comparison itself becomes that record instead of an emailed spreadsheet nobody can find later.

    1. 1

      Standard: normalize before you compare

      Line up the same coverages, limits, deductibles, and terms across every column. A cheaper number on a different deductible structure is not a comparison.

    2. 2

      Here: use the expiring policy as column one

      Add the expiring policy alongside the new quotes. Coverages become rows and each quote becomes a column, so differences are visible instead of described.

    3. 3

      Here: read the difference summary before sending

      The generated summary highlights material differences between columns. Review it, correct anything that reads wrong, and hide or reorder rows so the client sees the decision, not the noise.

    4. 4

      Standard: document offers and declinations

      Record every option presented, including the ones the client turned down and the reason given. Do it at the time of the conversation.

    5. 5

      Here: share it into their account

      Sharing puts the comparison in the client's account with a notification and a timestamp. The file shows what you presented and when, which is exactly what a later dispute asks for.

    Good to know

    • • Never delete a column because the client passed on it — that column is the proof.
    • • Anything the client asked for that you could not place belongs in the file as a written note.

    Keep learning

    Quote comparisons: put renewal and new quotes side by side

    Brokers upload competing quotes, the AI builds a comparison grid, and clients review it in their own account.

    Brokers: onboard a client and hand off their policies

    Invite a client, file their documents in advance, and have everything appear the moment they sign up.

    Agency teams: run a shared book across producers and staff

    Create an agency, invite producers and CSRs with the right seat, and work one shared book instead of separate logins.