Commercial insurance prospecting is all about the renewal date. This script reaches the business owner, learns their coverage and renewal timing, and books a coverage review or a callback 60–90 days before renewal.
Hi [First Name], my name is [Your Name] and I'm with [Company], a commercial insurance agency that specializes in helping contractors and trucking companies like yours. Who handles your business insurance?
Can I take just 30 seconds of your time to discuss your current coverage?
As we approach renewal season, I'd like to offer you a complimentary coverage review to ensure you're adequately protected and potentially saving on costs. This review can help identify areas where we might be able to improve your coverage. Would you be open to discussing this further?
I understand, but a fresh review can help confirm you're adequately protected. Are there any changes in your business that might impact your coverage needs?
That's great, but a second opinion can provide additional insights. Can you tell me a bit about your current broker's strategy for your renewal?
I'd be happy to follow up then, but some changes can be made before renewal. Would you like me to send a calendar invite for a pre-renewal review?
I understand rates are a concern. Our review can help identify potential savings opportunities. Are rate increases a major concern for you this renewal?
That's completely understandable. A coverage review can help you understand your current coverage and identify potential gaps. Would you be open to discussing this further?
Would [Day] morning or [Day] afternoon work for a 15-minute coverage review, so you have options well before your renewal? And is [Phone] or email the best way to send the invite?
Hi [First Name], this is [Your Name] from [Company]. I'm reaching out to offer a complimentary coverage review before your commercial insurance renewal. I'd love to discuss how we can help ensure you're adequately protected. Call me back at [Phone].
Mid-morning on weekdays reaches owners best. Contractors and truckers are often easier to reach early (7–9am) before they head to job sites.
Replace the [bracketed] parts with your details. Lines marked "Only if true" should only be used when they're accurate.
"When does your policy renew?" The renewal date tells you exactly when to call back with a quote.
Agree that they should be, then ask when it renews and whether they would like a second look before it does.
Callers can book reviews and capture renewal dates, but quoting and coverage advice must come from a licensed producer. Check your state's rules.
Fifteen minutes. You'll leave with a free outbound plan: your script, who to call and where to get the list, and a weekly activity plan.