Scripts & Talk Tracks

Two things live here. Calls to run — intake questions in order, objections, closes. And how to explain a subject a client just asked about, in plain language. Those work anywhere you need the words: on the phone, in an email, or across a desk.

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October 2026

  • +Contractor GL — Faulty Work, Completed Operations & What's Really Covered

You're previewing 1 of 93 scripts

Phone scripts are included with full access — for your whole agency, with more added regularly.

93 scripts

INTAKESalesPersonal LinesNew Lead

New Auto — Discovery & Intake Call

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INTAKESalesPersonal Lines
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New Homeowners — Discovery & Intake Call

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INTAKESalesPersonal Lines
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Renters Insurance — Intake Call

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OBJECTION / CLOSESalesPersonal Lines
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Objection — "Your Quote Is Higher Than What I Have Now"

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OBJECTION / CLOSESalesPersonal Lines
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Objection — "I Want to Think About It"

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OBJECTION / CLOSESalesPersonal Lines
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Bundle Pitch — Auto + Home (Multi-Policy)

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INTAKESalesCommercial Lines
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New Commercial Lead — General Discovery (BOP)

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INTAKESalesCommercial Lines
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General Liability — Intake Call

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INTAKESalesCommercial Lines
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Contractor / Artisan — Commercial Intake Call

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INTAKESalesCommercial Lines
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Workers Compensation — Intake Call

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INTAKESalesPersonal Lines
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New / Teen Driver Added — Call

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HOW TO EXPLAINSalesPersonal Lines
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Quote Presentation — Auto Coverages

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HOW TO EXPLAINSalesPersonal Lines
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Quote Presentation — Home Coverages

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HOW TO EXPLAINSalesPersonal Lines
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Why Higher Liability Limits — Talk Track

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OBJECTION / CLOSESalesPersonal Lines
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Recommending a Personal Umbrella

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OBJECTION / CLOSESalesPersonal Lines
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Asking for the Bind — Closing the Sale

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OBJECTION / CLOSESalesPersonal Lines
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Objection — I Just Want the State Minimum

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OBJECTION / CLOSESalesPersonal Lines
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Objection — I Found It Cheaper Online

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OBJECTION / CLOSESalesPersonal Lines
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Cross-Sell — Home to an Auto-Only Client

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OBJECTION / CLOSESalesPersonal Lines
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Cross-Sell — Add a Personal Umbrella

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OBJECTION / CLOSESalesPersonal Lines
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Cross-Sell — Home Client, Add Auto

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OBJECTION / CLOSESalesPersonal Lines
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Life Insurance — Warm Intro from an Existing Client

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OBJECTION / CLOSESalesPersonal Lines
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Scheduling Jewelry & Valuables — Call

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OBJECTION / CLOSESalesPersonal Lines
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Flood Insurance Recommendation — Call

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INTAKEPersonal Lines
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New-Client Welcome / Onboarding Call

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INTAKESalesPersonal Lines
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Annual Coverage Review Call

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HOW TO EXPLAINPersonal Lines
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Rate-Increase Explanation Call (Retention)

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OBJECTION / CLOSESalesPersonal Lines
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Win-Back — Former Client Call

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OBJECTION / CLOSEPersonal Lines
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Pending Cancellation / Non-Pay Save Call

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INTAKEPersonal Lines
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Mortgagee / Lienholder Change Call

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INTAKESalesPersonal Lines
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New Home Purchase — Coverage Call

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INTAKEPersonal Lines
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Moving Out of State — Call

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INTAKESalesPersonal Lines
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Marriage / Combining Households — Call

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INTAKEPersonal Lines
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First Notice of Loss — I Had an Accident

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OBJECTION / CLOSEPersonal Lines
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Post-Claim Check-In Call

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INTAKESalesCommercial Lines
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Commercial Auto — Intake Call

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INTAKESalesCommercial Lines
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Restaurant / Hospitality — Intake Call

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INTAKESalesCommercial Lines
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Habitational / Landlord — Intake Call

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HOW TO EXPLAINSalesCommercial Lines
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Presenting a Commercial Quote — Walk-Through

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OBJECTION / CLOSESalesCommercial Lines
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Recommending Commercial Umbrella / Excess

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HOW TO EXPLAINSalesCommercial Lines
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Explaining Additional Insured & COI Requirements

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OBJECTION / CLOSESalesCommercial Lines
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Cyber Liability — Cross-Sell Pitch

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OBJECTION / CLOSESalesCommercial Lines
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EPLI (Employment Practices) — Intro

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OBJECTION / CLOSESalesCommercial Lines
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Objection — My Current Agent Already Handles This

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OBJECTION / CLOSESalesCommercial Lines
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Objection — That's Too Expensive (Commercial)

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HOW TO EXPLAINSalesCommercial Lines
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Workers Comp Audit — Prep & Explanation Call

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INTAKESalesCommercial Lines
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Certificate of Insurance Request — Handling Call

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INTAKESalesCommercial Lines
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BOP Renewal Review Call

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HOW TO EXPLAINSalesCommercial Lines
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Commercial Rate-Increase Explanation

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INTAKESalesCommercial Lines
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Mid-Term Change — New Vehicle / Employee / Location

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INTAKESalesSurety Bonds
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Surety Bond — Application & Follow-Up Call

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OBJECTION / CLOSESalesCommercial LinesPersonal Lines
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Cross-Sell — Commercial Client, Add Personal Lines

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HOW TO EXPLAINSalesPersonal Lines
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SR-22 Filing — Explaining It to a Client

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INTAKESalesPersonal Lines
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Motorcycle — Quote & Intake Call

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INTAKESalesPersonal Lines
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Boat / Personal Watercraft — Intake Call

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INTAKESalesPersonal Lines
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Off-Road Vehicle (ATV/UTV) — Intake Call

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INTAKESalesPersonal Lines
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Classic / Collector Car — Intake Call

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INTAKESalesPersonal Lines
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Non-Owner SR-22 — Intake Call

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HOW TO EXPLAINSalesPersonal Lines
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High-Risk Driver (Tickets / Accidents) — Setting Expectations

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INTAKESalesPersonal Lines
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Landlord / Dwelling (DP-3) — Intake Call

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INTAKESalesPersonal Lines
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Vacant / Under-Renovation Property — Intake Call

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INTAKESalesPersonal Lines
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Seasonal / Snowbird Home — Coverage Call

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INTAKESalesPersonal Lines
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Newly Licensed Driver — First Policy Call

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INTAKESalesCommercial Lines
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Trucking / Long-Haul Commercial Auto — Intake Call

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HOW TO EXPLAINSalesCommercial Lines
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Workers Comp — Owner-Only / Ghost Policy — Call

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HOW TO EXPLAINSalesCommercial Lines
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Liquor Liability — Explaining It to a Bar/Restaurant

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INTAKESalesCommercial Lines
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Builders Risk — Intake Call

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INTAKESalesCommercial Lines
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Vacant Building (Commercial) — Intake Call

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INTAKESalesCommercial Lines
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Special Event / One-Day Insurance — Intake Call

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OBJECTION / CLOSESalesCommercial Lines
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Nonprofit D&O — Intro Call

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OBJECTION / CLOSESalesCommercial Lines
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Professional Liability (E&O) for a Business — Intro

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HOW TO EXPLAINCommercial Lines
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Commercial Property — Replacement Cost Review Call

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OBJECTION / CLOSEPersonal Lines
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Payment Failed / Card Declined — Call

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OBJECTION / CLOSEPersonal Lines
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Cancellation Request — Save Call

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INTAKEPersonal Lines
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Add a Vehicle Mid-Term — Call

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HOW TO EXPLAINPersonal Lines
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"Am I Covered for X?" — Coverage Question Call

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OBJECTION / CLOSESalesPersonal Lines
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Referral Thank-You & Ask — Call

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HOW TO EXPLAINSalesPersonal LinesCommercial Lines
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Client Sent a Long AI-Generated List of Questions

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HOW TO EXPLAINSalesPersonal Lines
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Med Pay — Why It Matters Even With Liability Coverage

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HOW TO EXPLAINSalesPersonal Lines
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Scheduled Jewelry vs Blanket Jewelry Coverage

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HOW TO EXPLAINSalesCommercial Lines
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Contractor GL — Faulty Work, Completed Operations & What's Really Covered

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HOW TO EXPLAINSalesCommercial Lines
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How Commercial Insurance Is Priced — The Rating Factors

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HOW TO EXPLAINPersonal Lines
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Why Your Auto Rate Went Up With No Claims and an Older Car

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HOW TO EXPLAINPersonal Lines
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Why Your Homeowners Rate Went Up With No Claims

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HOW TO EXPLAINSalesPersonal Lines
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Why You Need Renters Insurance If You Don't Own the Building

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HOW TO EXPLAINSalesCommercial Lines
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Commercial Property Coverages That Aren't Automatic With GL

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HOW TO EXPLAINSalesCommercial Lines
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Why Crime Insurance When Your Property Policy Covers Theft

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HOW TO EXPLAINCommercial Lines
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Explaining a General Liability Premium Audit

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HOW TO EXPLAINCommercial Lines
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Explaining a Workers' Compensation Audit

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HOW TO EXPLAINSalesCommercial Lines
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Your Quote Only Has Business Personal Property — You Need Inland Marine

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HOW TO EXPLAINSalesPersonal Lines
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Special Limits — Why That Item Has to Be Scheduled Separately

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HOW TO EXPLAINCommercial Lines
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The Audit Bill Arrived and the Client Is Refusing to Pay It

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HOW TO EXPLAINPersonal LinesCommercial Lines
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Explaining a Claim Denial to an Upset Client

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Scripts are starting points for licensed professionals and must be adapted for your state, carrier, and situation. Not legal, compliance, or E&O advice. Full disclaimer

Insurance Phone Scripts for P&C Agents | InsuranceAgentForms