Commercial Insurance Cold Calling Script

"Hi {{firstName}}, this is {{yourName}} with {{yourCompany}}. I work with business owners in {{industry}} helping them reduce their commercial insurance costs while improving coverage. Do you have about two minutes?"

[If yes, continue. If busy:]
"I completely understand you're busy running your business. When would be a better time for a quick 10-minute call to see if we can save you money on your commercial insurance renewal?"

[DISCOVERY - Understanding Their Business]
"Before I take any more of your time, let me ask you a couple quick questions to see if this even makes sense for you..."

"How long have you been with your current commercial insurance carrier?"
"When's your next renewal coming up?"
"Have you seen your premiums increase over the past few years?"
"What types of coverage do you currently carry - general liability, workers' comp, commercial auto?"

[VALUE PROPOSITION]
"The reason I'm calling is that we specialize in {{industry}} businesses like yours. We've helped similar companies reduce their commercial insurance costs by 15-30% while actually improving their coverage."

"What we do differently is work with over 40 A-rated carriers, so we can shop your coverage annually to make sure you're always getting the best rates for your risk profile."

[BUILD INTEREST]
"For example, we just worked with a {{exampleBusinessType}} similar to yours. They were paying {{currentPremium}} annually with their existing broker. We got them better coverage for {{newPremium}} - that's {{savings}} back in their pocket."

"I'd like to do a free policy review for you. No obligation, no pressure. If we can't beat what you have, I'll tell you to stay put. But if we can save you money, wouldn't you want to know?"

[QUALIFICATION]
"To make sure I'm not wasting your time, can you tell me roughly what you're paying annually for your commercial package?"
"How many employees do you have?"
"Any claims in the past 3-5 years I should be aware of?"

"Hi {{firstName}}, this is {{yourName}} with {{yourCompany}}. I help business owners in {{industry}} reduce their commercial insurance costs - typically 15-30% savings without sacrificing coverage.

I was hoping to chat for just a few minutes to see if there's an opportunity to save you money on your next renewal. My number is {{yourPhone}}. Again, that's {{yourName}} at {{yourPhone}}. I'll also send you a quick email. Have a great day."