Start with the facts that change the insurance conversation
Industry labels are only a starting point. A useful proposal brief describes the actual workforce, business activities, contracts, assets, locations, technology and claims experience. That gives insurers the context needed to assess a proposal on its merits.
- Separate employee-benefit needs from commercial-risk exposures.
- Record the locations, roles and employment categories that affect the requested cover.
- Use the same factual brief when comparing proposals so terms can be evaluated fairly.