Scripts/Insurance

Workers Comp Cold Calling Script

Workers compensation insurance cold calling script. Book more policy reviews with business owners using this proven approach.

Conversion Rate

Avg Duration

5-7 minutes

Dials/Appt

35-45 dials

Best Time

Tuesday-Thursday, 9am-11am

1The Opener

Hi {{first_name}}, this is {{your_name}} with {{company_name}}. We help businesses reduce their workers comp premiums through better classification and safety programs. When was the last time you had your policy reviewed?

2Discovery & Pitch

Appreciate you taking my call. Most business owners I talk to are paying more than they should for workers comp because they haven't reviewed their classifications or experience mod in years.

[LISTEN for their current situation]

That's exactly what we see. A proper review often uncovers misclassifications or credits you're not receiving. We've helped companies like {{similar_company}} reduce their premiums by 15-25% without changing coverage.

We also help with claims management to keep your experience mod low over time.

[PAUSE]

Would it make sense to schedule a free policy review? I can analyze your current coverage and show you where there might be savings. I have availability {{day}} or {{day2}}.

3Objection Handlers

Click an objection to see the response. Practice these until they're automatic.

Your Response

That's great—having someone you trust is important. I'm curious though, when was the last time they did a full classification review? Most agents don't dig into this because it takes time. Would a second opinion hurt?

4Closing Options

Let me schedule a free policy review. I'll need a copy of your current dec page. Does {{day}} work for a call?

I can email you a checklist of what to look for in your current policy. What's your email?

Would it help to speak with a similar business that saved significantly after a review?

Voicemail Script

Hi {{first_name}}, this is {{your_name}} with {{company_name}}. We help businesses reduce workers comp premiums through better classification and safety programs. Most companies we review are overpaying by 15-25%. I'd love to offer you a free policy review. 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

{{similar_company}}Relevant case study

{{phone_number}}Your callback number

Perfect For

Workers comp specialists
Commercial insurance agencies
PEOs
Risk management consultants
Safety consulting firms

Not Ideal For

Personal lines agents
Very small businesses without employees
Companies with recent large claims

Pro Tips

Lead with classification review—it's the easiest savings

Ask about their experience mod number

Offer to review their current policy at no cost

Mention claims management as a long-term value

Common Mistakes

Bashing their current agent too aggressively

Getting too technical about insurance terms

Not asking about their claims history

Focusing only on price instead of total value

Practice Exercises

Practice explaining experience modification

Role-play the 'we have an agent' objection

Rehearse presenting classification savings

Practice transitioning to policy review

Tone & Delivery

Consultative and educational. Workers comp is complex and most business owners don't understand it well. Position yourself as the expert who can explain things clearly and find them savings.