New Customer Onboarding Checklist for Insurance Agents

Get their full name, cell phone for texting, and primary email to send quote proposals immediately.

Determine if they are shopping for a lower rate, closing on a new home, or adding a teen driver to an auto policy.

Use a service like SkipCalls to ensure you never miss a home purchase deadline call even if you are out of the office on a home inspection.

Tell the client exactly when they will receive their first round of quotes so they stop calling other agents.

Ask about recent accidents, claims, or property damage to ensure you are quoting the right carriers from the start.

Collect current 'Dec Pages' to compare coverage limits and ensure you are providing an apples-to-apples quote.

Get exact vehicle identification numbers and property addresses to run accurate CLUE and MVR reports.

For home policies, get the lender's name and address so the policy is ready for the closing table without delays.

Verify the identity and driving history of all household members to avoid rating errors later.

Confirm how long they have had continuous coverage to apply 'loyalty' and 'prior coverage' discounts.

Educate the client on why $100,000/$300,000 limits are safer than state minimums to protect their personal assets.

Show the specific savings gained by combining home and auto policies to increase your commission and client retention.

Compare $500 vs. $1,000 deductibles to find the sweet spot between monthly premium and out-of-pocket costs.

Explain Water Back-up or Replacement Cost coverage which adds high value for a low additional premium.

Use DocuSign or similar tools to get the application signed immediately while the client is still engaged.

Set up EFT or take a one-time credit card payment to officially bind the coverage and generate proof of insurance.

Email or text the auto ID cards so the client can drive or register their vehicle right away.

Remind the client to cancel their previous insurance once the new policy is active to avoid double-billing.

Help the client install the carrier's app for easy access to ID cards and roadside assistance.

Set a calendar reminder for 6 months out to check in on their needs and prevent them from shopping at renewal.

A small handwritten note or a $5 coffee card makes your agency memorable and encourages referrals.

Ask the happy client to leave a 5-star Google review while the $1,000 savings you found them is still fresh.