Vehicles
Keep personal and business vehicle use separate from the start.
A household auto request and a commercial-auto request need different information. If the vehicle is owned by a business, used primarily for business, or tied to a contract requirement, start with the commercial path instead of personal auto.
Home & property
Home and property requests start with occupancy and timing.
Share the property address, how the property is occupied, when coverage is needed and what changed. Homeowners, renters, landlord and flood needs should stay distinct so the agent can ask only the relevant follow-up questions.
Business
Business insurance starts with what the business does and what changed.
A new contract, employee, vehicle, lease or property change can point to a different insurance need. Start with the immediate requirement and the agent can route the conversation toward liability, BOP, workers’ compensation, commercial auto, property or another commercial option.