Quote summaries and risk proposals, sent and accepted
Underwriting agencies send brokers clear terms and conditions to accept; risk consultants price a review and get it signed.
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Underwriting agencies use QuoteCloud to send brokers quote summaries with the terms offered and the conditions, accepted in the same document, and risk consultants use it to send risk review proposals with optional site surveys, an eSignature and a payment on signing. QuoteCloud doesn't bind, rate or issue policies.
A line from a fictional underwriting agency, Tern Point Underwriting, to a fictional broker, Tallowmere Insurance Brokers, to their client, Lantern Lane Café. A quote summary travels along it: sent by the agency, accepted by the broker, then the broker's recommendation is signed by the café. Below, the summary: insured Lantern Lane Café, liability $20 million with a $500 excess, property $180,000, a premium of $2,980.00 including tax and charges, subject to three conditions.
Two documents that aren't a broker's recommendation
An underwriting agency's quote summary for brokers, and a risk consultant's review proposal for a client. Both fictional businesses, both sent and signed from QuoteCloud.
Quote summary for brokers
Quote summary: Lantern Lane Café
Our terms for the café's liability and property, subject to the conditions below.
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.
Broker's acceptance
Sophie Varga · Broker
Signed online · Mon 19 Oct, 9:20 am
Certificate of authenticity and audit trail attached
Terms a broker can accept in the document
Tern Point Underwriting's terms for a café: insured, period, limits and excesses, premium, commission as agreed, and the conditions the offer is subject to. Sophie accepts by signing the summary itself.
- The agency's own terms and wording
- Conditions listed, not buried in an email
- The broker's acceptance signed and timestamped
Risk review proposal
Risk review for Harbourside Dining Group
A review of fire, liability and business interruption risks across your four venues, with a written report your broker can use at renewal.
Risk review fees
| Item | Qty | Rate | Amount |
|---|---|---|---|
| The review | $4,600 | ||
Risk review, four venuesInterviews, documents and controls
|
1 fixed | $3,200 | $3,200.00 |
Written report and recommendationsFor your broker and the board
|
1 fixed | $1,400 | $1,400.00 |
| Options Tick to add | |||
| 4 venue | $450 | $1,800.00 | |
| 1 fixed | $1,100 | $1,100.00 | |
- Subtotal
- $6,400.00
- Tax (10%)
- $640.00
- Total
- $7,040.00
- Plus, monthly
- $0.00/mo
- Payment on signing (30%)
- $2,112.00
Accept, sign and pay
Mei Tanaka · Chief operating officer
Signed online · Wed 14 Oct, 2:10 pm
Payment on signing (30%)
$2,112.00
Paid via StripePay with card or PayPal
Certificate of authenticity and audit trail attached
A risk review scoped, signed and part-paid
Kingfold Risk Consulting's proposal for a four-venue hospitality group: the review and the written report, an on-site survey of each venue ticked, and 30% paid on signing before anyone travels.
- Fixed fees with tax
- Optional site surveys and reviews
- 30% payment on signing via Stripe
Scope agreed and paid before the site visit
Mei, the group's operations chief, can leave the venue surveys ticked or remove them and add the business interruption review. The tax, total and the 30% payable on signing follow her choices.
When she signs, the payment goes to the consultancy's own Stripe account, and the signed scope is what the review is delivered against.
- Optional scope items the client ticks
- Payment on signing as a percentage
- Signed scope with certificate of authenticity
Price tables and payments: Essentials and up
Risk review fees
| Item | Qty | Rate | Amount |
|---|---|---|---|
| The review | $4,600 | ||
Risk review, four venuesInterviews, documents and controls
|
1 fixed | $3,200 | $3,200.00 |
Written report and recommendationsFor your broker and the board
|
1 fixed | $1,400 | $1,400.00 |
| Options Tick to add | |||
| 4 venue | $450 | $1,800.00 | |
| 1 fixed | $1,100 | $1,100.00 | |
- Subtotal
- $6,400.00
- Tax (10%)
- $640.00
- Total
- $7,040.00
- Plus, monthly
- $0.00/mo
- Payment on signing (30%)
- $2,112.00
Accept, sign and pay
Mei Tanaka · Chief operating officer
Signed online · Wed 14 Oct, 2:10 pm
Payment on signing (30%)
$2,112.00
Paid via StripePay with card or PayPal
Certificate of authenticity and audit trail attached
Summaries created by the agency's own system
An agency sends dozens of near-identical summaries a day. Its own system can create each one from a summary template through the QuoteCloud API, Zapier or Make: it fills the data items, adds the price-table rows and sends it to the broker.
When the broker signs, a Recipient Signed Document trigger can tell the agency's system. The request beside this is illustrative, not the API reference.
- Create from a template, fill data items, add rows
- Send to the broker from the same flow
- Signed and payment events back through Zapier
API, Zapier and Make: Essentials and up; per-document fee for API and Zapier
Broking system, CRM & accounting integrationsWhat the agency's system sends Illustrative request, not the API reference
- template
- Hospitality quote summary
- recipient
- sophie.varga@tallowmere.example.com
- data · Insured
- Lantern Lane Café
- data · Period
- 12 months from 14 Nov 2026
- row
- Public & products liability · $20m · qty 1
- row
- Property · $180,000 · qty 1
- row
- Premium inc tax and charges · $2,980.00
- Document created from the template
- Sent to the broker
- Recipient Signed Document → your system (Zapier trigger)
The API, Zapier or Make create the document from your template, fill its data items and add price-table rows (Essentials and up; a per-document fee applies to API and Zapier documents). They don't choose blocks or tick options.
Start with your quote summary template
Free for 14 days, no credit card required. Send us the summary or proposal you send now and we'll convert one template for you during the trial.
From the agency's terms to the client's signature
Where QuoteCloud sits in a chain it doesn't run: each party sends and signs its own document.
Agency creates
The agency's system or underwriter creates the summary from its template.
Broker reviews
The broker reads the terms and conditions and asks questions in the comments.
Broker accepts
The broker signs the summary; the agency sees the signature.
Recommendation
The broker puts the terms in front of the client in their own recommendation.
Policy issued
Binding and policy issue happen outside QuoteCloud, as they do today.
Agency and consultant questions, answered
Can an underwriting agency send quote summaries to brokers with QuoteCloud?
Yes. Make a quote summary template with the terms offered, the conditions and a signature block, then create one per risk and send it to the broker. The broker reads it on any device, asks questions in the comments and accepts by signing. eSignatures are on every plan.
Does QuoteCloud bind cover or issue policies?
No. QuoteCloud sends the summary and records the broker's acceptance. Binding, policy issue and any reporting to insurers stay in the agency's own systems. QuoteCloud doesn't rate risks either. The summary is the agency's own wording and terms, and the broker's acceptance is recorded with a certificate of authenticity and audit trail.
Can our system create summaries automatically?
Yes, from the Essentials plan. The QuoteCloud API, Zapier or Make can create a document from your template, fill its data items and add price-table rows, then send it. A per-document fee applies to API and Zapier documents. They can't choose content blocks or tick options.
Can a risk consultant take a payment when the proposal is signed?
Yes. Set a payment on signing as a percentage, a fixed amount or the full amount, and the client pays by card or PayPal into the consultancy's own Stripe or PayPal account. Payments are on Essentials and up. The consultant sets the percentage per template or document.
Can the client choose which parts of a risk review they want?
Yes. Put optional items such as site surveys or a business interruption review in the price table. The client ticks or unticks them, and the tax, total and payment on signing follow. The signed copy records the scope the review is delivered against.
Can we send under our agency's own brand?
Yes. Every template carries your agency's own letterhead, colours, wording and contact details, and each summary goes from your QuoteCloud account to the broker by email. The broker opens it from a link, with no QuoteCloud account needed, and accepts by signing the summary itself.
More for insurance brokers
Every page of the QuoteCloud insurance microsite.
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Broking system, CRM & accounting integrationsYour broking system through Zapier, Make or the API, premiums sent in by the API, and signed recommendations passed back.Explore
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Broker recommendations & quote comparisonsSeveral insurers' options side by side, your recommendation marked, and the client's choice signed in the same document.Explore
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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.Explore
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- Trades & contractor insurance quotesPublic liability, tools and personal accident quotes a tradesperson reads on their phone, signs on site and pays the broker fee on.
- Apartment & property insuranceBuilding sums insured, last year's terms beside this year's and a recommendation the committee members sign.
- Fleet, motor & cyber quotesVehicle schedules, limits and sub-limits laid out clearly, with optional covers and the specialist's notes in one document.
- Home, contents & personal linesHome and contents options with excess choices and add-ons a household compares, ticks and signs from their phone.
- Disclosures, acknowledgements & signersYour own disclosure wording locked in place, the client's acknowledgement ticked in the document and every director's signature.
- Renewal packs & re-quotesExpiry dates, the Expiring Soon list, last year beside this year, and renewal packs bulk-sent to the clients falling due.
- 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.
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