Proposal Comparison Worksheet

Print this worksheet and fill in one column per proposal to compare competing commercial insurance proposals on coverage — not just price. It pairs with our guide on how to compare commercial insurance proposals.

What to compare	Proposal A	Proposal B	Proposal C
Carrier and A.M. Best / financial strength rating
Annual premium total, including fees and surcharges
Deductible(s) by line, if they differ
General liability limits per occurrence / aggregate
Umbrella / excess limits and which policies it sits over
Property limits building / contents
Business-income limits and period of restoration
Cyber limits and retention
EPLI limits and retention
Valuation method replacement cost or actual cash value
Coinsurance percentage, if any
Wind/hail deductible flat or percentage
Major endorsements additional insured, waivers, etc.
Major exclusions anything carved out of coverage
Claims-made or occurrence per liability line
Retroactive date for any claims-made coverage

This worksheet is a static educational tool. Nothing you write on it is collected or submitted, and it is not a substitute for reading the full proposals and policy forms. A licensed insurance professional can help you interpret differences between proposals.

Read the proposal comparison guide Prepare for your renewal Estimate insurance costs

Ready to start your quote?

Begin online in minutes. A licensed commercial insurance professional reviews every submission before coverage is placed.

Start My Quote Call 1-800-777-1872