Business Insurance Cold Calling Script
Commercial business insurance cold calling script. Book more policy reviews and quotes with this proven approach.
1The Opener
Hi {{first_name}}, this is {{your_name}} with {{company_name}}. We help {{industry}} businesses find better coverage at better rates. When does your current business insurance renew?2Discovery & Pitch
Perfect timing. Most business owners I talk to haven't shopped their insurance in years and are often surprised at how much they can save—or how much better coverage they can get for the same price.
[LISTEN for their current situation]
That's exactly what we see. Insurance markets change, and what was competitive three years ago might not be today. We recently helped {{similar_company}} save 20% while actually improving their coverage limits.
[PAUSE]
Would it make sense to schedule a quick review? I can analyze your current policy and come back with some options—no obligation. I have availability {{day}} or {{day2}}.3Objection Handlers
Click an objection to see the response. Practice these until they're automatic.
Your Response
I understand—relationships matter. I'm not looking to replace anyone, just to give you options. If your current agent is getting you the best deal, a second opinion will confirm that. Would that be valuable?
4Closing Options
Let me schedule a quick review. Can you send me a copy of your current policy? Does {{day}} work for a follow-up call?
I can email you a coverage checklist for {{industry}} businesses. What's your email?
Would it help to speak with another {{industry}} business owner we helped recently?
Voicemail Script
Hi {{first_name}}, this is {{your_name}} with {{company_name}}. We help {{industry}} businesses find better insurance coverage at better rates. I'd love to offer you a free policy review to see if there are savings available. Call me at {{phone_number}}. That's {{your_name}} at {{phone_number}}.Variables to Customize
{{first_name}}Prospect's first name{{your_name}}Your name{{company_name}}Your insurance agency name{{industry}}Their industry{{similar_company}}Relevant case study{{phone_number}}Your callback numberPerfect For
- Commercial insurance agencies
- Business insurance brokers
- Independent agents
- Multi-line agencies
- Industry-specific insurance providers
Not Ideal For
- Personal lines only agents
- Very large enterprise accounts
- Specialty insurance only
Pro Tips
Ask about renewal timing early—it's key
Offer free policy reviews as a low-commitment next step
Know common coverage gaps for their industry
Reference specific savings percentages from past clients
Common Mistakes
Being too aggressive about switching agents
Not asking about current coverage before quoting
Focusing only on price vs. coverage quality
Calling too close to renewal when decisions are already made
Practice Exercises
Practice the policy review offer
Role-play the 'happy with current agent' objection
Rehearse industry-specific coverage discussions
Practice transitioning from discovery to appointment
Tone & Delivery
Consultative and trustworthy. Insurance is about trust—business owners need to believe you have their best interests at heart, not just a commission. Lead with value and education.
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