Printable Insurance Quote Checklist | CoverToday

CoverToday Insurance Agency · covertoday.com/quote-preparation-checklist · (310) 299-5555 · CA Lic. #0K77310

Make it specific

A checklist for your situation

Choose a topic and two details. We’ll show questions to discuss with your agent.

There are no personal-data fields. Choices and checks are not saved or sent; refreshing clears them. This prepares a conversation, not a price or coverage decision.

SR-22 & DMV preparation

A filing does not by itself restore driving privileges. Confirm your specific requirements with DMV before driving.

Gather or ask about

Confirm the filing state and the requirement shown on your notice.
Ask when coverage and the filing would take effect; confirm the full cost before choosing.
Your access to a vehicle — Not sure yet: Ask the agent what ownership and access details affect the available policy options.
Your access to a vehicle — I own a vehicle: Discuss every vehicle you own and how each is used; do not assume a non-owner policy fits.
Your access to a vehicle — I regularly use someone else’s vehicle: Explain regular access, household vehicles and permission to drive; ask the insurer to review suitability.
Your access to a vehicle — No vehicle and no regular access: Ask whether a non-owner option is available for your circumstances and what it excludes.
Do you have the current DMV notice? — Not yet / unsure: Contact DMV for your current requirements; avoid guessing a reinstatement date or filing end date.
Do you have the current DMV notice? — Yes, ready to review: Review remaining conditions, fees and deadlines directly with DMV; keep the notice for the agent conversation.

Official background sources, reviewed October 17, 2026. Preparation prompts written by CoverToday.

California DMV — financial responsibility California DMV — DUI

Trucking & cargo preparation

Filings, policy coverage and customer requirements are separate checks. This planner does not calculate required limits or authorize operations.

Gather or ask about

Prepare vehicle types, weight ratings, driver experience, operating states and radius for discussion.
Compare the actual customer contract with proposed coverages, exclusions and deductibles.
How will you operate? — Still deciding: Ask which authority, lease and filing details the agent needs before quoting.
How will you operate? — Under my own authority: Confirm the entity and authority type; have current filing requirements reviewed for your operation.
How will you operate? — Leased to another carrier: Review the lease to separate your responsibilities from the motor carrier’s insurance.
Main cargo or equipment concern — General goods / mixed cargo: List the commodities and maximum load value; flag unusual or high-value loads.
Main cargo or equipment concern — Temperature-controlled goods: Ask about temperature-change and refrigeration-breakdown terms, monitoring and exclusions.
Main cargo or equipment concern — Household goods / moving: Discuss packing, customer valuation, overnight storage and the filing rules for the actual operation.
Main cargo or equipment concern — Containers / borrowed trailers: Bring the interchange agreement; identify responsibility for chassis, containers and trailers.

Official background sources, reviewed October 17, 2026. Preparation prompts written by CoverToday.

FMCSA — insurance filing requirements

Trades & service contractors

Use your actual work and contract requirements. A checklist cannot determine whether a policy covers a job.

Gather or ask about

List the work you perform and any work you do not perform, including installation and repair.
Prepare an overview of tools, service vehicles, employees and subcontractors.
Work you want to discuss — Appliance repair / installation: Explain plumbing, electrical connections, customer property and completed-work concerns.
Work you want to discuss — HVAC / refrigeration: Describe refrigeration, roof work, hot work and commercial or residential installations.
Work you want to discuss — Other / mixed services: Ask the agent to review the full service list, including unusual jobs and subcontracted work.
Insurance requirements in a contract — Not available yet: Request the insurance section from the customer, network or property manager before assuming a limit.
Insurance requirements in a contract — I have the requirements: Review required limits, additional-insured terms and endorsements; ask for confirmation against the policy.

Official background sources, reviewed October 17, 2026. Preparation prompts written by CoverToday.

California DOI — commercial insurance guide

Salon & beauty business

Discuss services and the people providing them. Different businesses in one salon may need separate review.

Gather or ask about

Prepare the treatment and product list, equipment overview and lease insurance requirements.
Ask which services, locations and business names the proposed policy includes.
Your role — Salon owner / operator: Separate your business from independent booth renters; review staff duties and payroll.
Your role — Independent booth / chair renter: Review your rental agreement and ask whose insurance applies to your own services and equipment.
Your role — Mixed arrangement / unsure: Describe how each person is paid and who controls the work; ask how the insurer treats the arrangement.
Main services — Nails: Include manicure, pedicure, nail enhancements, sanitation practices and products sold.
Main services — Hair: Include coloring, straightening, chemical treatments, retail sales and any mobile work.
Main services — Other / mixed treatments: Flag every additional treatment before buying; ask the agent to check exclusions and underwriting.

Official background sources, reviewed October 17, 2026. Preparation prompts written by CoverToday.

California DOI — commercial insurance guide

Events & venue requirements

A certificate shows insurance information; it does not add coverage by itself. Ask the agent to review the underlying policy and endorsements.

Gather or ask about

Prepare setup, event and cleanup dates, guest count, activities and venue requirements.
Ask whether cancellation, venue damage and vendor exposures are addressed or require separate review.
Alcohol at the event — Not decided yet: Tell the agent before arrangements change; ask what serving or selling alcohol would require.
Alcohol at the event — No alcohol planned: Confirm the venue and vendor plan matches the no-alcohol description.
Alcohol at the event — Served without sale: Identify who supplies and serves it; ask which liquor-liability terms apply.
Alcohol at the event — Sold / paid service: Describe sales, paid bartenders and vendor insurance; do not assume host-liquor terms are sufficient.
Venue insurance request — Waiting for it: Request the written insurance terms and certificate instructions before choosing coverage.
Venue insurance request — Ready to review: Check exact venue entity, required endorsements, limits and policy dates with the agent.

Official background sources, reviewed October 17, 2026. Preparation prompts written by CoverToday.

California CSLB — certificate notices

Talk with an agent: (310) 299-5555 Request a quote →

Talk to a licensed agent today

Russian-speaking · English. No pressure, no spam — just competitive options from multiple carriers.

Get a free quote 📞 (310) 299-5555 💬 Text us

📞 Call Get a quote