Clients Sign With Confidence When Every Quote Shows Its Exclusions
Clients sign with confidence when every quote shows its exclusions next to its premium, and the AgentWorks Pricing Agent is what puts them side by side. It carries pricing and rating support for the producer and the account manager who build the comparison today, so they can spend the time with the policyholder on the other side of the desk instead of reading quote forms line by line.
What it takes off your plate
On a commercial account, carrier quotes come back at different times and in different formats. One arrives as a portal PDF, one as an email from the underwriter, one still sits waiting on a subjectivity. Comparing premiums takes a minute. Comparing coverage takes the afternoon: the deductible structure on one, a wind or hail deductible on another, an exclusion that shows up in a single carrier's form, an endorsement that one market offers and another does not.
The comparison spreadsheet is never quite finished when the client calls asking for a decision. The producer either stalls or presents premium only, and the coverage conversation that protects the client and the agency gets skipped.
Meanwhile the rest of the book keeps moving. Renewals come due, certificates are requested, a policyholder calls about a claim. Every hour spent retyping a quote form into a spreadsheet is an hour nobody spends with the clients who are already on the books, and the account manager ends up choosing between the new account and the existing one.
What the Pricing Agent does, step by step
The Pricing Agent starts with the follow-up that holds up every comparison.
- Chases the missing quotes. For each market on the submission, it emails the underwriter or checks the carrier portal for the quote, and follows up on the ones that have not come back, noting any subjectivities or information requests for the account manager.
- Reads every quote form. As each quote arrives, it pulls the premium, limits, deductibles, exclusions, endorsements and subjectivities into one standard layout.
- Lines them up. It places each carrier's terms against the same coverage lines, so a difference in the deductible structure or an added exclusion sits in the same row as the premium.
- Highlights what differs. Beyond price, it calls out where carriers differ in coverage, where an endorsement the client asked for is missing, and where a quote needs clarification from the underwriter.
- Drafts the value summary. For each option, it writes a short plain-language note on what the client gets and gives up. The producer edits, chooses the recommendation and signs off; coverage advice stays with the licensed producer.
- Sends and schedules. Once the producer approves, the agent emails the comparison to the client, offers times for a review call and reminds the client before the binding deadline.
Where the work is recorded
Every quote, follow-up and underwriter reply lands on the account in your agency management system, whether that is Applied Epic or HawkSoft, alongside the comparison itself. The client record in the CRM shows what was sent, when the client opened it and when the review call is booked, so anyone on the team can pick up the conversation.
The next morning, the producer opens one view: accounts with every quote in, accounts still waiting on a market, and comparisons waiting for sign-off. When the client calls with a question about a specific exclusion, the account manager answering the phone can see it without calling the producer out of a meeting.
What your people do instead
Producers spend the meeting on the policyholder: explaining what a deductible means for their cash flow, walking through the exclusion that matters for their operation, and answering the question the client did not know to ask. Account managers handle the service calls, the certificate requests and the policyholder who needs help today.
Good comparisons start with good submissions. The Underwriting Submission Preparation Agent helps you market faster, and when every quote arrives complete, agencies win more households. For new business, the New Policy Quoting Agent builds the comparison while you sell.
The Pricing Agent reads, chases and lines up. Your producers advise, and your team keeps the relationship.
One next step
If your comparison spreadsheet is still open when the client calls, start with the free Industry Assessment for insurance. It shows which workflow an agent should take first in your agency. You can see every agent built for independent agencies on the AgentWorks insurance page.
See where the Pricing Agent would start in your insurance business.
I'm Franklin, the Insurance ambassador here. The free Industry Assessment reads your website and asks how calls, follow-ups and records happen today, then shows the first workflow worth handing to an agent like this one — and what your team gets back. Leave your email and I'll send the link.
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