Getting started with QuoteCloud

Insurance broker quotes clients compare, choose and sign

Put several insurers' options side by side in one recommendation. Your client chooses an insurer, ticks add-ons and an excess, acknowledges your disclosures and signs.

QuoteCloud is quoting, proposal and eSignature software for insurance brokers, underwriting agencies and risk consultants. Type in each insurer's premiums, or send them through the API, and the client compares the options side by side, ticks optional covers and an excess, acknowledges your disclosure wording, signs and can pay your broker fee on signing.

A sample recommendation from a fictional brokerage, Tallowmere Insurance Brokers, for Lantern Lane Café: three fictional insurers' quote slips side by side, Alder & Finch at $3,650, Corvane General at $3,435 (recommended) and Marrowbank at $3,760 a year for the same four covers. Corvane General is chosen with machinery breakdown added, an annual premium of $3,745.00, the broker fee of $363.00 including tax, both co-owners signed and the broker fee paid via Stripe.

One recommendation, three insurers, side by side

Each insurer's quote becomes a column: the same covers, limits and excesses, the premium for each, and your recommendation marked. Pick an insurer, tick an optional cover or a higher excess, and the premium, your broker fee and the total follow.

You type the premiums in from each insurer's quote, or your broking system sends them through the QuoteCloud API. QuoteCloud doesn't connect to insurers or rate anything: the figures are yours.

  • Insurers as a single choice, your pick marked
  • Optional covers and excess options the client ticks
  • Your broker fee as its own line, with tax

Price tables and optional items: Essentials and up

Broker recommendations & quote comparisons
Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage

Your options, side by side

Annual premiums for 12 months from 14 Nov 2026

Each insurer's annual premium for every cover, as quoted, with optional covers and excess options
CoverAlder & FinchCorvane RecommendedMarrowbank
Public & products liabilityAny one occurrence · $20m $1,180 $1,095 $1,240
Property: fit-out, contents & stockReplacement value · $180,000 $1,620 $1,540 $1,710
Business interruption12-month indemnity period · $240,000 $640 $610 $580
GlassShopfront and internal glass · $15,000 $210 $190 $230
Optional covers Tick to add
+$260 +$280 +$245
+$340 +$310 +$365
+$690 +$720 +$650
Excess on property claims Choose one
$500 $500 $750
$1,000−$140 $1,000−$125 $2,000−$190
Annual premiumAs quoted$3,990.00$3,745.00$4,125.00
Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
$3,745.00
Tallowmere broker feeFor arranging and managing the cover
$330.00
Tax on the broker fee
$33.00
Total
$4,108.00
Paid on signing · broker feeInto Tallowmere's own Stripe account
$363.00

Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.

Try it: build a comparison and sign it as the client

Choose the client's business and the covers to quote, set what's paid on signing and send it. Then, as the client, pick an insurer, tick add-ons and an excess, acknowledge, and sign.

New recommendation · Tallowmere Insurance BrokersDemo · fictional data

1 Client's business
2 Covers to quote

Premiums are illustrative, typed in by the broker from each insurer's quote (or sent through the QuoteCloud API). QuoteCloud doesn't connect to insurers or rate anything.

3 Payment on signing

Payments go to the Stripe or PayPal account your brokerage connects. QuoteCloud doesn't hold client money, run a trust account or arrange premium funding: check your own rules before taking premiums on signing.

What Tallowmere sees

  1. Recommendation sent to LenaEmail link · TI-Q-2241
  2. Opened by Lena8:04 pm
  3. Machinery breakdown & spoilage kept+$310.00 a year
  4. Corvane General chosenYour recommendation
  5. Acknowledgement completedForms block · 2 of 2 ticked
  6. Signed by Lena MorettiCertificate of authenticity attached
  7. Signed by Josh MorettiCertificate of authenticity attached
  8. Broker fee paid$363.00 via Stripe
Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional business

Insurance recommendation · TI-Q-2241

Business insurance for Lantern Lane Café

Lena & Josh Moretti, Lantern Lane Café

Quotes valid until Tue 3 Nov 2026 · current policy ends 4:00 pm Sat 14 Nov 2026

Your options, side by side

Annual premiums for 12 months from 14 Nov 2026

Each insurer's annual premium for every cover, as quoted, with optional covers and excess options
CoverAlder & FinchCorvane RecommendedMarrowbank
Public & products liabilityAny one occurrence · $20m $1,180 $1,095 $1,240
Property: fit-out, contents & stockReplacement value · $180,000 $1,620 $1,540 $1,710
Business interruption12-month indemnity period · $240,000 $640 $610 $580
GlassShopfront and internal glass · $15,000 $210 $190 $230
Optional covers Tick to add
+$260 +$280 +$245
+$340 +$310 +$365
+$690 +$720 +$650
Excess on property claims Choose one
$500 $500 $750
$1,000−$140 $1,000−$125 $2,000−$190
Annual premiumAs quoted$3,990.00$3,745.00$4,125.00
Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
$3,745.00
Tallowmere broker feeFor arranging and managing the cover
$330.00
Tax on the broker fee
$33.00
Total
$4,108.00
Paid on signing · broker feeInto Tallowmere's own Stripe account
$363.00

Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.

Before you sign

Important information from Tallowmere Insurance BrokersLocked company block

This is where your brokerage's own disclosure wording goes, as your licence requires it: who you act for, how you're paid and how to raise a complaint.

Written once by your compliance lead and locked in the template, so account managers can't change it. Sample text only.

Your acknowledgementRequired before signing

Forms block and content locking: Business

Accept and sign

  • Lena MorettiCo-owner
  • Josh MorettiCo-owner

Tick the acknowledgement above to sign.

Broker fee $363.00 paid via Stripe · demo, nothing charged

Accepted and signed · certificate of authenticity attached

A demo with a fictional brokerage, fictional insurers and illustrative premiums: nothing is sent, stored or charged. In QuoteCloud the comparison is your recommendation template: insurers as a single-choice group, covers as price-table rows, add-ons as optional items and the excess as a choice, with premiums you type in or send through the API (Essentials and up). The acknowledgement is a Forms block and the disclosure wording a locked block (Business). Payments go to your own Stripe or PayPal account; QuoteCloud doesn't hold client money, run a trust account or arrange premium funding.

How broker recommendations work

A renewal, from 60 days out to the signed pack

The Calloway Apartments' building policy ends on 30 November. This is the brokerage's own routine, with the QuoteCloud feature used at each step.

  1. 60 days

    See what's falling due

    The Expiring Soon filter lists every recommendation and renewal pack reaching its expiry date.

    Expiring Soon filter
  2. 45 days

    Re-quote and compare

    Revise last year's pack with the renewing insurer's terms beside the other quotes you asked for.

    Revise Last Version
  3. 40 days

    Director's review

    Recommendations over $25,000 go to a director before they're sent.

    Approval workflow Business
  4. 30 days

    Send to the committee

    Secretary and treasurer each get their own signing block; comments answer the questions before the AGM.

    Multiple signers
  5. Expiry

    Signed before it lapses

    Both committee members sign and you place the cover. Nothing renews by itself.

    eSignatures

Your brokerage's process, drawn by us: QuoteCloud shows expiry dates, sends what you choose and records each signature. It doesn't re-quote with insurers or renew anything automatically.

Send your next recommendation from QuoteCloud

Free for 14 days, no credit card required. Send us your current recommendation or renewal letter and we'll convert one template for you during the trial.

One recommendation, read part by part

Lantern Lane Café's business insurance as Lena and Josh read it. Every part is a QuoteCloud content block from the brokerage's recommendation template.

  1. Their café, their renewal

    The template's cover and a short letter from the account manager, with the café and the co-owners' names filled in as data items.

    Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage
    A busy cafe with timber tables, a long counter and shelves behind it

    Insurance recommendation

    Business insurance for Lantern Lane Café

    Prepared for Lena & Josh Moretti, Lantern Lane Café · Prepared Tue 20 Oct 2026 · Quotes valid until Tue 3 Nov 2026 · current policy ends 4:00 pm Sat 14 Nov 2026

    Lena and Josh, here are three insurers' quotes for the café's renewal, side by side. We recommend Corvane General for its lower property premium and the same $20 million liability limit. Choose an insurer, add any covers you'd like, and sign below.

  2. Client chooses

    Three insurers, one choice

    Each insurer's annual premium for the same covers, as quoted. Your recommendation is marked; the client decides.

    Your options, side by side

    Annual premiums for 12 months from 14 Nov 2026

  3. Client ticks

    Covers, add-ons and the excess

    Limits and each insurer's premium per cover, then the optional covers the client ticks and the property excess as a single choice.

    Price tables: Essentials and up

    SME business insurance packs

    Your options, side by side

    Annual premiums for 12 months from 14 Nov 2026

    Each insurer's annual premium for every cover, as quoted, with optional covers and excess options
    CoverAlder & FinchCorvane RecommendedMarrowbank
    Public & products liabilityAny one occurrence · $20m $1,180 $1,095 $1,240
    Property: fit-out, contents & stockReplacement value · $180,000 $1,620 $1,540 $1,710
    Business interruption12-month indemnity period · $240,000 $640 $610 $580
    GlassShopfront and internal glass · $15,000 $210 $190 $230
    Optional covers Tick to add
    TheftFollowing forcible entry · $30,000 +$260 +$280 +$245
    Machinery breakdown & spoilageEspresso machine and cool room · $50,000 +$340 +$310 +$365
    CyberData breach and system restore · $250,000 +$690 +$720 +$650
    Excess on property claims Choose one
    Standard excess $500 $500 $750
    Higher excess $1,000−$140 $1,000−$125 $2,000−$190
    Annual premiumAs quoted$3,990.00$3,745.00$4,125.00

    Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.

  4. You set it

    Your broker fee, on its own line

    The premium as quoted, then your fee and the tax on it, the total, and what's paid on signing if you choose to take it.

    Broker fees & payment on signing

    Your options, side by side

    Annual premiums for 12 months from 14 Nov 2026

    Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
    $3,745.00
    Tallowmere broker feeFor arranging and managing the cover
    $330.00
    Tax on the broker fee
    $33.00
    Total
    $4,108.00
    Paid on signing · broker feeInto Tallowmere's own Stripe account
    $363.00
  5. Questions answered in the document

    Josh asked about the cool room in a comment, and Sophie replied in the same thread, before anyone signed.

    Notes from Sophie

    • Liability stays at $20 million with every insurer, the same as this year.
    • Corvane General's property premium is the lowest of the three. Its property excess is $500.
    • Machinery breakdown covers the espresso machine and the cool room, with spoilage of stock up to $5,000.
    • Once you sign, we'll ask Corvane General to issue the policy and send you the schedule.

    Josh MorettiIs the cool room covered if it breaks down overnight?

    Sophie, TallowmereOnly with machinery breakdown, which includes spoiled stock up to $5,000. It's ticked in your options; untick it if you'd rather not.

  6. Locked block

    Your wording, their acknowledgement

    Your licence's disclosure wording sits in a locked company block, and the client ticks the acknowledgement fields before they can sign.

    Forms block and content locking: Business

    Disclosures, acknowledgements & signers

    Before you sign

    Important information from Tallowmere Insurance BrokersLocked company block

    This is where your brokerage's own disclosure wording goes, as your licence requires it: who you act for, how you're paid and how to raise a complaint.

    Written once by your compliance lead and locked in the template, so account managers can't change it. Sample text only.

    Your acknowledgementRequired before signing

    We've read the important information above and the policy wording for the insurer we've chosen.
    We've answered the insurer's questions honestly and told you about anything we know that could affect the cover.

    Forms block and content locking: Business

  7. Both co-owners sign

    Each signer gets their own signing block and the certificate records them all. The broker fee was paid through Stripe on signing.

    Accept the recommendation and sign

    2 of 2 signed

    • Lena MorettiCo-owner SignedWed 21 Oct, 8:12 pm
    • Josh MorettiCo-owner SignedWed 21 Oct, 9:40 pm

    What you're accepting

    Insurer
    Corvane General
    Annual premium
    $3,745.00
    Broker fee paid on signing
    $363.00

    Certificate of authenticity and audit trail attached

Renewal packs, sent to everyone falling due

Every recommendation carries an expiry date, so the Expiring Soon filter shows what's coming up. For a book of similar policies, bulk send one renewal template as a personal copy to each client and see who has opened, commented and accepted.

QuoteCloud doesn't renew policies or re-quote with insurers: each renewal is a document your team prepares and the client signs.

  • Expiry dates and the Expiring Soon filter
  • Bulk send from one template, personalised per client
  • Opened, accepted and commented, per client

Bulk send: Essentials and up, volume-based costs

Renewal packs & re-quotes
DocumentsTallowmere Insurance Brokers Sample data
  • All
  • Awaiting signature
  • Accepted
  • Expiring soon

5 policies and recommendations expire in the next 45 days

  • Business pack renewalLantern Lane Café · TI-Q-2241 Expires 14 Novin 23 days Accepted
  • Apartment renewalThe Calloway Apartments · TI-S-0917 Expires 30 Novin 39 days Awaiting signature
  • Trade insuranceTama Electrical · TI-Q-2258 Expires 1 Novin 10 days Accepted
  • Fleet renewalBramblewood Couriers · TI-F-0334 Expires 1 Novin 10 days Awaiting signature
  • Home & contentsGrace & Tom Nakamura · TI-P-1180 Expires 12 Novin 21 days Accepted
Renewal packsYour renewal is coming up 5 personalised copiesPersonal lines clients renewing in December · 146 recipients
  • Grace Nakamuragrace.nakamura@example.com Accepted+ accidental damage
  • Daniel Whitbydaniel.whitby@example.com Opened
  • Rosa Delgadorosa.delgado@example.com Accepted
  • Hamish Clarkehamish.clarke@example.com Sent
  • Anjali Raoanjali.rao@example.com OpenedLeft a comment
Sent
5
Opened
4
Accepted
2

Rated, secure and in business since 2013

  • eIDAS compliant eSignatures
  • 256-bit encryption
  • Hosted on AWS
  • GDPR compliant

From the insurers' quotes to a signed recommendation

What happens between the quotes coming back and your team seeing a signed recommendation with the fee paid.

  1. Gather quotes

    Get terms from each insurer the way you do today, through their own portals or your broking system.

  2. Build the comparison

    Start from your recommendation template and type each insurer's premiums in, or send them through the API.

  3. Mark your pick

    Set your recommended insurer, the optional covers and the excess options, and an expiry date.

  4. Send

    The client opens it on any device, compares, ticks and asks questions in the comments.

  5. Acknowledge, sign, pay

    They tick the acknowledgement, every signer signs, and your broker fee can be paid on signing.

Six documents brokers and agencies send

Each from its own template, with the blocks that kind of cover needs. Sample documents with fictional clients and insurers.

Tallowmere Insurance BrokersInsurance recommendation TI-Q-2258 Sample · fictional business

Your options, side by side

Annual premiums for 12 months from 1 Nov 2026

Annual premium · Alder & Finch InsuranceAs quoted, including tax and statutory charges
$3,390.00
Tallowmere broker feeFor arranging and managing the cover
$250.00
Tax on the broker fee
$25.00
Total
$3,665.00
Paid on signing · broker feeInto Tallowmere's own PayPal account
$275.00
An electrician in a hard hat installing wiring

Trade insurance a sparky reads on site

Public liability, tools and stock in the van from three insurers, personal accident as an option, and a broker fee Wiremu paid by PayPal when he signed on his phone.

  • Readable on a phone
  • Personal accident as an option
  • Broker fee on signing
Trades & contractor insurance quotes
Tallowmere Insurance BrokersApartment building renewal recommendation TI-S-0917 Sample · fictional business

Last year beside this year

Renewing insurer: Marrowbank Mutual · 12 months from 30 Nov 2026

Cover2025–262026–27Change
BuildingSum insured from the committee's 2026 valuation $41,880$18.4m $44,960$19.2m +$3,080
Public liabilityAny one occurrence $2,140$20m $2,210$20m +$70
Office bearers' liabilityCommittee members $620$1m $640$1m +$20
Fidelity guaranteeOwners' association funds $380$250,000 $395$250,000 +$15
Machinery breakdownTwo lifts and the pool plant $1,150$100,000 $1,240$100,000 +$90
Voluntary workersWorking bees $160Standard $160Standard No change
Annual premiumAs quoted$46,330.00$49,605.00+7.1%
Tallowmere broker fee + tax
$1,815.00
Total this year
$51,420.00

Premiums as quoted by the insurer, including tax and statutory charges. Sample figures.

The building premium rises mainly because the sum insured follows the new valuation. Your broker's notes explain each change.

Looking up at an apartment building with rows of balconies

Last year beside this year, for the committee

Each cover with last year's and this year's limit and premium, the change in dollars and per cent, and your notes on why. The secretary and the treasurer each sign.

  • Sum insured from the valuation
  • Two committee signers
  • Director's approval over $25,000 (Business)
Apartment & property insurance
Tallowmere Insurance BrokersFleet insurance recommendation TI-F-0334 Sample · fictional business

Fleet options, side by side

Annual premiums for 12 months from 1 Nov 2026

Annual premium · Alder & Finch InsuranceAs quoted, including tax and statutory charges
$23,100.00
Tallowmere broker feeFor arranging and managing the fleet policy
$1,200.00
Tax on the broker fee
$120.00
Total
$24,420.00
Paid on signing · broker feeInto Tallowmere's own Stripe account
$1,320.00

Document workflow

Approved

Triggered when Total value greater than $20,000

  • Helen CarrowDirectorApproved

Recommendations over $20,000 go to a director before they're sent.

  1. Arun Pillai sent TI-F-0334 for review · Fri 16 Oct, 2:10 pm
  2. Helen Carrow approved · Fri 16 Oct, 3:42 pm

Approval workflow · Business plan

White work vans parked side by side

Twelve vans, two pickups, three insurers

Comprehensive motor on agreed values and goods in transit from three insurers, with a windscreen excess waiver ticked. Over $20,000, so a director approved it before it was sent (Business).

  • Agreed values per class
  • Director approval over $20,000
  • Two signers
Fleet, motor & cyber quotes
Tallowmere Insurance BrokersInsurance recommendation TI-C-0412 Sample · fictional business

Your options, side by side

Annual premiums for 12 months from 1 Nov 2026

Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
$5,800.00
Tallowmere broker feeFor arranging and managing the cover
$450.00
Tax on the broker fee
$45.00
Total
$6,295.00
Paid on signing · broker feeInto Tallowmere's own Stripe account
$495.00
A padlock resting on a lit computer keyboard

Professional indemnity with cyber as an option

Limits and premiums from three insurers for an accounting firm, cyber and management liability as optional covers, and both partners signing.

  • Limits stated per cover
  • Specialist notes in the document
  • Both partners sign
Fleet, motor & cyber quotes
Tallowmere Insurance BrokersHome & contents recommendation TI-P-1180 Sample · fictional business

Your options, side by side

Annual premiums for 12 months from 12 Nov 2026

Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
$2,300.00
Tallowmere broker feeFor arranging the cover
$95.00
Tax on the broker fee
$9.50
Total
$2,404.50
A grey weatherboard house with a front verandah and a green lawn

Home and contents a household can compare

Building at its rebuild value and contents from three insurers, portable valuables and accidental damage to tick, and a higher excess if they'd rather pay less.

  • Excess choices
  • Add-ons they tick
  • Signed from a phone
Home, contents & personal lines
Tern Point UnderwritingQuote summary for brokers TU-4471 Sample · fictional business

Terms offered

Insured
Lantern Lane Café (sample)
Period
12 months from 14 Nov 2026
Public & products liability
$20m · excess $500
Property
$180,000 · excess $500
Premium
$2,980.00 inc tax and charges
Commission to broker
As agreed in your agency terms

Subject to

  • A completed proposal form signed by the insured
  • Deep-fryer fire suppression serviced in the last 12 months
  • No claims over $10,000 in the last five years

The agency's own terms and wording. QuoteCloud sends the document; it doesn't bind or issue policies.

Hands with a pencil beside a laptop and notes on a desk

An underwriting agency's quote summary

Tern Point Underwriting's terms for a broker: insured, period, limits, premium and the conditions the offer is subject to, accepted by the broker in the same document.

  • The agency's own terms
  • Conditions listed
  • Accepted by the broker
Underwriting agencies & risk consultants

Everything a brokerage sends

From the comparison to the signed renewal, for commercial, personal lines and specialist brokers, underwriting agencies and risk consultants.

Insurance quote questions, answered

What is QuoteCloud for insurance brokers?

QuoteCloud is quoting, proposal and eSignature software for insurance brokers, underwriting agencies and risk consultants. You send recommendations from your own templates with several insurers' options side by side, optional covers and excess choices, your broker fee as its own line, your disclosure wording, the client's acknowledgement and signatures, and you can take the fee or premium on signing.

Does QuoteCloud get premiums from insurers?

No. QuoteCloud has no insurer, rating or quoting-platform integrations. You get terms from each insurer as you do today and type the premiums into the comparison, or your broking system sends them through the QuoteCloud API, Zapier or Make when it creates the document (Essentials and up, with a per-document fee for the API and Zapier).

Can clients compare several insurers in one document?

Yes. Each insurer's option can sit side by side as a single choice, with your recommendation marked, and covers, add-ons and excess options as price-table rows. The client picks an insurer and ticks optional covers, and the premium, your broker fee and the total update as they do. The signed document records exactly what they chose.

Can the broker fee be shown separately?

Yes. Put your broker fee on its own line with tax, separate from the premiums you show as quoted by the insurer. If you choose, the client can pay the fee, or the fee and premium, by card or PayPal on signing. Payments are on Essentials and up.

Can we take payment when the client signs?

Yes, from the Essentials plan. Set a payment on signing as a fixed amount, a percentage or the full amount, and the client pays through Stripe or PayPal into your brokerage's own account. QuoteCloud doesn't hold client money, run a trust account, arrange premium funding or set up instalments, so check your own rules before taking premiums.

Can we include our disclosure wording and a duty of disclosure acknowledgement?

Yes. Your licence's disclosure wording can sit in a locked company block that account managers can't change, and the client can tick acknowledgement fields in a Forms block inside the document before they sign. Both are on the Business plan. The wording is your own: QuoteCloud makes no compliance claims and gives no advice.

Can several people sign one recommendation?

Yes. Add every signer, such as co-owners, partners, directors or an owners' association committee's secretary and treasurer. Each gets their own signing block, and the certificate of authenticity records them all. eSignatures are on every plan, and signers don't need a QuoteCloud account.

Does QuoteCloud help with renewals?

Every document can carry an expiry date, and the Expiring Soon filter lists what's coming up. You can revise last year's recommendation for this year and bulk send one renewal template as a personal copy to each client (Essentials and up, volume-based costs). QuoteCloud never renews policies or re-quotes with insurers by itself.

Does QuoteCloud connect to our broking system?

Through Zapier, Make or the QuoteCloud API, from the Essentials plan, where your broking system has a connector or an API. There is no native broking-system integration. Xero, QuickBooks Online and Pipedrive are native on Business, or connect through Zapier.

Does QuoteCloud handle claims?

No. QuoteCloud is for quotes, recommendations, renewals and the documents clients sign. It doesn't lodge, track or manage claims, bind cover or issue policies; those stay with the insurer and your broking system.

Is there a free trial?

Yes. QuoteCloud has a free plan and a 14-day free trial of Essentials or Business with no credit card required. During the trial QuoteCloud converts one of your existing templates for free on the Essentials, Business and Enterprise plans, and paid plans include a 45-minute training session.

More questions from brokers

Your next recommendation, compared and signed

Free for 14 days. No credit card required.