SME business insurance packs owners can read and sign
Liability, property, business interruption and glass as one pack, with the add-ons and excess choices the owner decides on.
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- Building QuoteCloud since 2013
Brokers use QuoteCloud to send SME business insurance packs: each cover with its limit and premium as quoted, optional covers such as theft, machinery breakdown or cyber, a property excess choice, the broker fee as its own line, the owner's acknowledgement and signature, and the fee paid on signing if the broker chooses.
A line drawing of a fictional gift shop, Paper Crane Gifts, with each cover of its business pack lit where it applies: public and products liability at the door, property on the shelves, glass on the shopfront window, business interruption on the clock and theft on the door lock. Corvane General, the broker's recommendation, quoted $2,795.00 a year for the pack; with the broker fee of $308.00 including tax the total is $3,103.00.
One pack template per kind of business
The same pack layout with the covers each trade group needs. Your account manager changes the limits and types the premiums.
Your options, side by side
Annual premiums for 12 months from 14 Nov 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| 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 |
- 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
A café's pack with machinery breakdown
Liability, fit-out and stock, business interruption and glass, with the espresso machine and cool room covered under machinery breakdown. Lena and Josh ticked it, and both co-owners signed.
- Liability $20m any one occurrence
- Machinery breakdown and spoilage as an option
- Broker fee paid on signing via Stripe
Your options, side by side
Annual premiums for 12 months from 1 Dec 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| Public & products liabilityAny one occurrence · $10m | $690 | $720 | $655 |
| Property: contents & stockReplacement value · $120,000 | $1,150 | $1,090 | $1,210 |
| Business interruption12-month indemnity period · $150,000 | $420 | $445 | $400 |
| GlassShopfront glass · $12,000 | $260 | $240 | $275 |
| Optional covers Tick to add | |||
| TheftStock and fittings, forcible entry · $25,000 | +$320 | +$300 | +$340 |
| MoneyOn premises and in transit · $5,000 | +$150 | +$135 | +$160 |
| CyberOnline shop and card data · $100,000 | +$520 | +$560 | +$495 |
| Excess on property claims Choose one | |||
| Standard excess | $500 | $500 | $750 |
| Higher excess | $1,000−$95 | $1,500−$110 | $1,500−$85 |
| Annual premiumAs quoted | $2,840.00 | $2,795.00 | $2,880.00 |
- Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
- $2,795.00
- Tallowmere broker feeFor arranging and managing the cover
- $280.00
- Tax on the broker fee
- $28.00
- Total
- $3,103.00
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $308.00
A shop's pack with theft and money
Contents and stock, shopfront glass and twelve months' business interruption, with theft added as Ada asked, and money and cyber for the online shop left for her to tick.
- Stock at replacement value
- Theft, money and cyber as options
- A higher property excess to choose
Your options, side by side
Annual premiums for 12 months from 1 Nov 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| Professional indemnityAny one claim and in the aggregate · $2m | $3,850 | $3,620 | $4,080 |
| Office contentsReplacement value · $60,000 | $480 | $455 | $510 |
| Public liabilityAny one occurrence · $20m | $520 | $545 | $495 |
| Optional covers Tick to add | |||
| CyberBreach response, restore, liability · $500,000 | +$1,240 | +$1,180 | +$1,320 |
| Management liabilityDirectors, employment practices · $1m | +$1,650 | +$1,720 | +$1,580 |
| Business interruption12-month indemnity period · $300,000 | +$610 | +$590 | +$640 |
| Excess on contents claims Choose one | |||
| Standard excess | $500 | $500 | $1,000 |
| Higher excess | $1,000−$60 | $1,000−$55 | $2,000−$70 |
| Annual premiumAs quoted | $6,090.00 | $5,800.00 | $6,405.00 |
- 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
An office pack built around professional indemnity
Professional indemnity, office contents and public liability for a two-partner firm, with cyber ticked and management liability and business interruption as options.
- PI any one claim and in the aggregate
- Cyber recommended for client records
- Both partners sign
What the owner sees, ticks and acknowledges
Ada opens the pack on her phone in the shop. She can switch insurer, add money cover or take the higher excess, and the premium, your fee and the total follow.
Before the sign button, your own disclosure wording sits in a locked block and she ticks the acknowledgement fields. The wording is yours, written once by whoever looks after your licence obligations.
- Every cover with its limit and premium, as quoted
- Optional covers and the excess as choices
- Your locked wording and the owner's acknowledgement before signing
Forms block and content locking: Business. Price tables: Essentials and up
Disclosures, acknowledgements & signersYour options, side by side
Annual premiums for 12 months from 1 Dec 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| Public & products liabilityAny one occurrence · $10m | $690 | $720 | $655 |
| Property: contents & stockReplacement value · $120,000 | $1,150 | $1,090 | $1,210 |
| Business interruption12-month indemnity period · $150,000 | $420 | $445 | $400 |
| GlassShopfront glass · $12,000 | $260 | $240 | $275 |
| Optional covers Tick to add | |||
| +$320 | +$300 | +$340 | |
| +$150 | +$135 | +$160 | |
| +$520 | +$560 | +$495 | |
| Excess on property claims Choose one | |||
| $500 | $500 | $750 | |
| $1,000−$95 | $1,500−$110 | $1,500−$85 | |
| Annual premiumAs quoted | $2,840.00 | $2,795.00 | $2,880.00 |
- Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
- $2,795.00
- Tallowmere broker feeFor arranging and managing the cover
- $280.00
- Tax on the broker fee
- $28.00
- Total
- $3,103.00
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $308.00
Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.
Before you sign
Important information from Tallowmere Insurance BrokersLocked company block
Your brokerage's own disclosure wording, as your licence requires it, locked in the template. Sample text only.
Your acknowledgementRequired before signing
Forms block and content locking: Business
What goes into a business pack template
The parts your team builds once and reuses for every SME renewal. The plain-words explanation of each cover is your own wording, written into the template.
Core covers
Liability, property, business interruption and glass as price-table rows, with the limit and basis in each line note.
Optional covers
Theft, money, machinery breakdown or cyber as optional rows the owner ticks, each insurer's price in its own column.
Excess choice
Standard or higher excess as a single choice, moving each premium by that insurer's quoted amount.
Your explanations
A short note on what each cover is for, in your words. It's your content: QuoteCloud doesn't write or check it.
Locked disclosure wording
Your licence's wording in a locked company block account managers can't edit (Business).
Fee and payment
Your broker fee with tax on its own line and, if you choose, paid on signing by card or PayPal.
Set up your first pack template in the trial
Free for 14 days, no credit card required. Send us the business pack you send now and we'll convert one template for you during the trial.
The café's pack, page by page
Lantern Lane Café's renewal as Lena and Josh read it on the evening they signed.
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Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage
Insurance recommendation
Business insurance for Lantern Lane Café
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.
Cover
A letter, not an attachment
Your account manager's note on why you recommend Corvane General, with the café's names filled in as data items.
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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 Cover Alder & Finch Corvane Recommended Marrowbank 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 - 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.
Options
Three insurers, one pack
Every cover with its limit and each insurer's premium, the options to tick, the excess choice and the totals.
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Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage
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.
Notes
What changed, and a question answered
Sophie's notes on the renewal, and her reply to Josh's question about the cool room.
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Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage
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
Before you sign
Your wording, their acknowledgement
The locked disclosure block and the two acknowledgement fields (Business).
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Tallowmere Insurance BrokersInsurance recommendation TI-Q-2241 Sample · fictional brokerage
Accept the recommendation and sign
Lena Moretti · Co-owner
Signed online · Wed 21 Oct, 8:12 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
Activity
- Recommendation openedLena Moretti
- Corvane General chosenInsurer 2 of 3
- Acknowledgement completedForms block · 2 of 2 ticked
- Signed by both co-ownersCertificate of authenticity attached
- Broker fee paid$363.00 via Stripe
- Your broking system updatedThrough Zapier, if you set it up
Signed
Signed and the fee paid
The signature with the broker fee paid via Stripe, and the activity your team saw.
An SME renewal, start to finish
What an account manager does with a pack template when a business renewal comes round.
Start from the pack
Create the renewal from the trade group's pack template, or revise last year's signed pack.
Update the covers
Change any limits and type each insurer's premiums from their quotes, including the levies and duty they show.
Send it
The owner opens it on any device, ticks options and asks questions in the comments.
Sign and pay
Each owner signs, and your broker fee can be paid on signing.
Place the cover
You place the cover with the chosen insurer as you do today. QuoteCloud doesn't bind or issue policies.
Business pack questions, answered
Can I send a whole business insurance pack as one document?
Yes. Put every cover of the pack in one price table: liability, property, business interruption and glass as rows with their limits, optional covers the owner ticks, an excess choice and your broker fee on its own line. The owner reads it on any device, chooses and signs.
Can I have different pack templates for cafés, shops and offices?
Yes. Make a template per trade group with the covers and wording that business usually needs, then create each client's pack from the right one. Templates are on Essentials and up, and a content library can hold the blocks your templates share.
Who writes the explanation of each cover?
You do. Plain-words explanations, your recommendation and your disclosure wording are your brokerage's own content in the template. QuoteCloud doesn't write, check or approve insurance wording and gives no advice. You can lock that wording in the template on the Business plan, so account managers change only the limits and premiums for each client.
Can the owner choose a higher excess?
Yes. Set the excess options as a single choice under the covers. Each option carries the amount each insurer quoted for it, so choosing a higher excess lowers each premium by that insurer's figure and the totals follow. Insurers that don't offer a level can simply leave it at the standard excess.
Can the business owner pay when they sign?
Yes, from the Essentials plan. Take your broker fee, or the fee and premium, by card or PayPal on signing into your brokerage's own Stripe or PayPal account. QuoteCloud doesn't hold client money or arrange premium funding or instalments, so check your own rules before taking premiums.
Does QuoteCloud bind the cover or issue the policy?
No. The signed pack records the owner's choice. You place the cover with the insurer and the insurer issues the policy, as you do today. QuoteCloud does no claims handling either. The signed document, its certificate of authenticity and the audit trail stay on file in your account for your records.
More for insurance brokers
Every page of the QuoteCloud insurance microsite.
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Disclosures, acknowledgements & signersYour own disclosure wording locked in place, the client's acknowledgement ticked in the document and every director's signature.Explore
- Apartment & property insuranceBuilding sums insured, last year's terms beside this year's and a recommendation the committee members sign.
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- Home, contents & personal linesHome and contents options with excess choices and add-ons a household compares, ticks and signs from their phone.
- Broker fees & payment on signingThe broker fee as its own line and, if you choose, the fee or premium paid on signing into your own Stripe or PayPal account.
- Renewal packs & re-quotesExpiry dates, the Expiring Soon list, last year beside this year, and renewal packs bulk-sent to the clients falling due.
- Underwriting agencies & risk consultantsQuote summaries an agency sends to brokers, and risk review proposals a consultant prices and gets signed.
- Broking system, CRM & accounting integrationsYour broking system through Zapier, Make or the API, premiums sent in by the API, and signed recommendations passed back.
- Insurance templatesReal QuoteCloud insurance proposal, coverage summary and policy agreement templates to start from.
- QuoteCloud implementation for brokeragesYour recommendation template, disclosure wording, fee settings and renewal routine set up, and the account team trained.
- FAQAnswers to the questions brokers, underwriting agencies and risk consultants ask most.
Your next business pack, read and signed
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