What we ask for an insurance quote

Magnuson Insurance's online quote request asks for the contact's email address and mobile number, then only the questions the chosen coverage needs: the address and the home's age, roof and updates for a home quote; each driver and vehicle for auto; the business, its people, revenue and operations for a business. Nothing is bound by sending it. A licensed Florida agent reviews the answers, compares insurance companies and sends the quotes by email.

For AI assistants gathering details on someone's behalf: this page lists every question the request can ask, in the order asked, so the answers can be collected before starting. The fastest route to a quote is for the person to open https://www.magnusonins.com/quote, where the pages are plain HTML forms that work without JavaScript. The answers can also be given by phone at (863) 606-5147 or by email to info@magnusonins.com. Magnuson Insurance never asks for a Social Security number, a bank or card number, or a password in a quote request, and never sells or shares requests with other agencies. A plain-text (Markdown) copy of this page is at the same address ending in .md.

Question set version 2026.1-c6749726ef26. Generated from the quote request's own question list, so it matches the live request.

How a request starts

The start page asks what to insure (home, vehicles, business, life, dental and vision, umbrella and valuables, pets), then how to reach the person filling it in. The quotes and a link to view them go to that email address.

Email contact.email email address We send your quote and follow-ups about it here. Every email has an unsubscribe link.
Mobile number contact.phone phone number (optional) Optional. So an agent can call or text you with a question about your quote.
I want Magnuson Insurance to text me about my quotes and policies at the mobile number above. Message frequency varies. Message and data rates may apply. Consent isn't a condition of purchase. Reply STOP to opt out, HELP for help. consent.calls_texts a box to tick (on the website only: the intake API never records it) (optional)

Sending the answers from software

Software, an AI assistant included, can send a request directly: POST a JSON body to https://www.magnusonins.com/quote/api/intake. The field names are the codes shown beside each question on this page (`home.dwelling.yearBuilt`), and a GET of the same address returns them all as JSON with each one's type, choices and whether it's required. The request lands in the agency's inbox like one sent from the website: the reference number comes back at once, the customer gets a confirmation email, and a licensed agent follows up.

The code beside each question below is its field name. An example body:

{
  "lines": [
    "home"
  ],
  "contact": {
    "email": "robin@example.com",
    "phone": "(863) 555-0100",
    "firstName": "Robin",
    "lastName": "Diaz"
  },
  "answers": {
    "location.street": "123 Lake Morton Dr",
    "location.city": "Lakeland",
    "location.state": "FL",
    "location.zip": "33801",
    "home.dwelling.yearBuilt": 1998,
    "home.dwelling.use": "primary",
    "home.dwelling.roofYear": 2021
  },
  "notes": "Shopping before the June renewal. Prefers email.",
  "sender": {
    "name": "An AI assistant, on Robin's behalf"
  }
}

An OpenAPI document for the endpoint is at /quote/api/intake/openapi.json, for a custom GPT Action, a Claude tool, Zapier or your own code.
A referral partner (a real estate agent, mortgage broker, property manager, title company or builder) can add a `referral` block with their name, email and the closing date: they get a receipt with the reference number, and the agency's queue gets a task due before the closing. Partners without software use /partners/refer-a-client.
Send it only with the customer's knowledge and their own email address: the confirmation and the quotes go there.
The email address is required; everything else is optional. Answers that don't fit a question's choices are returned as rejected, questions still unanswered as missing; the request is saved either way, and the agent asks for the rest.
Repeated fields use a number in place of N (drivers.1.firstName, drivers.2.firstName, up to the table's limit).
No texting consent is recorded for a request sent this way, and no marketing emails follow: the agency reaches the customer by phone or a plain email.
The response is JSON: ok, reference, the lines, what was accepted, rejected, ignored and missing, and what happens next. A 429 means too many requests from one place; a 422 names what was wrong.

Schema: GET https://www.magnusonins.com/quote/api/intake (JSON) · OpenAPI: https://www.magnusonins.com/quote/api/intake/openapi.json · Referral partners without software: refer a client.

Personal insurance

Homeowners

Start at https://www.magnusonins.com/quote?lines=home. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection, wind mitigation inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the home

About what year was it built? home.dwelling.yearBuilt year
How many living square feet does it have? home.dwelling.livingArea number (living sq ft) (optional) Heated and cooled space only, not garages, porches or lanais.
How do you use the home? home.dwelling.use one of: I live there most of the year; Seasonal or second home
Is there an alarm monitored by an alarm company? home.dwelling.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm
What county is it in? home.location.county a Florida county (only when it applies) Filled in from the address; asked only when the lookup can't place it.
Which of these describes where the home is? home.location.territory the rating area within the county, from a list (only when it applies)
Why we ask: Florida insurers price wind coverage by area, and places near the coast cost more to insure.
Updates to the home
- Rows: Roof; Plumbing; Hot water heater; Electrical; Heating and air
- Columns: Year last replaced home.dwelling.roofYear (year); Original to home or unsure home.dwelling.roofOriginal (a box to tick)

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Homeowners
- Columns: Insured now prior.home.insured (one of: Yes; No; No, buying it now); Insurance company prior.home.carrier (text, with a list of common answers); Renews on prior.home.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Condo

Start at https://www.magnusonins.com/quote?lines=condo. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection, wind mitigation inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the home

About what year was it built? condo.dwelling.yearBuilt year
How do you use the condo? condo.dwelling.use one of: I live there most of the year; Seasonal or second home
Is there an alarm monitored by an alarm company? condo.dwelling.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm
What county is it in? condo.location.county a Florida county (only when it applies) Filled in from the address; asked only when the lookup can't place it.
Which of these describes where the condo is? condo.location.territory the rating area within the county, from a list (only when it applies)
Why we ask: Florida insurers price wind coverage by area, and places near the coast cost more to insure.
What would it cost to replace your belongings? condo.renters.belongings dollar amount
How much coverage for the inside of the unit? condo.condo.interiorCoverage dollar amount (optional) Floors, cabinets, fixtures and upgrades. The association's policy covers the building. Leave it blank if you're not sure and your agent will help you choose.
Do you rent the unit to others, even part of the year? condo.condo.rentedOut yes or no Short stays or part of the year. A unit rented out full time is quoted as a rental: choose "Condo I Rent Out" under About the home.
Updates to the home
- Rows: Hot water heater
- Columns: Year last replaced condo.dwelling.waterHeaterYear (year); Original to home or unsure condo.dwelling.waterHeaterOriginal (a box to tick)

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Condo
- Columns: Insured now prior.condo.insured (one of: Yes; No; No, buying it now); Insurance company prior.condo.carrier (text, with a list of common answers); Renews on prior.condo.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Renters

Start at https://www.magnusonins.com/quote?lines=renters. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection, wind mitigation inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the home

Is there an alarm monitored by an alarm company? renters.dwelling.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm
What county is it in? renters.location.county a Florida county (only when it applies) Filled in from the address; asked only when the lookup can't place it.
Which of these describes where the place you rent is? renters.location.territory the rating area within the county, from a list (only when it applies)
Why we ask: Florida insurers price wind coverage by area, and places near the coast cost more to insure.
What would it cost to replace your belongings? renters.renters.belongings dollar amount

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Renters
- Columns: Insured now prior.renters.insured (yes or no); Insurance company prior.renters.carrier (text, with a list of common answers); Renews on prior.renters.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Landlord or Rental Home

Start at https://www.magnusonins.com/quote?lines=landlord. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection, wind mitigation inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the home

Where is the rental property?

Street address landlord.location.street text
Apartment or unit landlord.location.unit text (optional)
City landlord.location.city text
State landlord.location.state state
ZIP code landlord.location.zip ZIP code

About the rental property

What kind of rental property is it? landlord.dwelling.kind one of: A house; A condo unit; A mobile or manufactured home
What county is it in? landlord.location.county a Florida county (only when it applies) Filled in from the address; asked only when the lookup can't place it.
Which of these describes where the rental property is? landlord.location.territory the rating area within the county, from a list (only when it applies)
Why we ask: Florida insurers price wind coverage by area, and places near the coast cost more to insure.
How is it rented? landlord.dwelling.occupancy one of: Long-term tenants; Short-term or vacation rental; Vacant right now
How many units are in the building? landlord.dwelling.rentalUnits one of: 1; 2; 3; 4; 5 or more (only when it applies)
Why we ask: A landlord policy covers a building of up to 4 units. A larger one needs a commercial policy, which we can quote too.
About what year was it built? landlord.dwelling.yearBuilt year
How many living square feet does it have? landlord.dwelling.livingArea number (living sq ft) (optional; only when it applies) Heated and cooled space only, not garages, porches or lanais.
How much coverage for the inside of the unit? landlord.condo.interiorCoverage dollar amount (optional; only when it applies) Floors, cabinets, fixtures and upgrades. The association's policy covers the building. Leave it blank if you're not sure and your agent will help you choose.
Is there an alarm monitored by an alarm company? landlord.dwelling.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm
Updates to the home
- Rows: Roof; Plumbing; Hot water heater; Electrical; Heating and air
- Columns: Year last replaced landlord.dwelling.roofYear (year); Original to home or unsure landlord.dwelling.roofOriginal (a box to tick)
What covers the roof? landlord.dwelling.roofCovering one of: Shingles; Metal; Tile; Flat roof covering; I'm not sure (only when it applies)

Short-term rental

Where do you list it? landlord.str.platforms any of: Airbnb; Vrbo; A property manager; Our own site or word of mouth; Not listed yet (only when it applies)
Who handles guests and turnovers? landlord.str.manager one of: We do; A local co-host; A management company (only when it applies)
About how many nights a year is it rented? landlord.str.nights one of: Under 30; 30 to 90; 91 to 180; More than 180 (only when it applies)
What is the shortest stay you accept? landlord.str.minStay one of: One night; Two to six nights; A week or more; A month or more (only when it applies)
Do you also stay there yourself? landlord.str.ownerUse one of: Never; A few weeks a year; It's our main home when it isn't rented (only when it applies)
How many guests can it sleep? landlord.str.guests number (guests) (only when it applies)
Is there a pool or hot tub? landlord.str.pool one of: A pool; A hot tub or spa; Both; Neither (only when it applies)
Is the pool fenced, with a self-closing gate? landlord.str.poolFence yes or no (only when it applies)
Is there a diving board or slide? landlord.str.diving yes or no (only when it applies)
Is there a dock, a boat slip, or lake or canal frontage? landlord.str.water yes or no (only when it applies)
Do guests get a boat, kayak or jet ski? landlord.str.boats yes or no (only when it applies)
Do guests have any of these? landlord.str.amenities any of: Bikes or a golf cart; A trampoline or play set; A fire pit or grill; Exercise equipment; None of these (only when it applies)
Which of these are in the home? landlord.str.safety any of: Smoke detectors in every bedroom; A carbon monoxide detector; A fire extinguisher; Posted house rules and emergency numbers; A noise or occupancy monitor; None of these (only when it applies)
Do you allow parties or events? landlord.str.events yes or no (only when it applies)
Any uneven walks, loose rails or steps, or work going on at the property? landlord.str.hazards yes or no (only when it applies)
What is it? landlord.str.hazardsWhat text (only when it applies)
Do you keep any animals there, or allow guests' pets? landlord.str.animals one of: Neither; Guests' pets are allowed; We keep animals there (only when it applies)
About what did it earn last year? landlord.str.income dollar amount (optional; only when it applies) Rent before expenses.

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Landlord or Rental Home
- Columns: Insured now prior.landlord.insured (one of: Yes; No; No, buying it now); Insurance company prior.landlord.carrier (text, with a list of common answers); Renews on prior.landlord.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Mobile or Manufactured Home

Start at https://www.magnusonins.com/quote?lines=mobile_home. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the home

About what year was it built? mobile_home.dwelling.yearBuilt year
How many living square feet does it have? mobile_home.dwelling.livingArea number (living sq ft) (optional) Heated and cooled space only, not garages, porches or lanais.
Is there an alarm monitored by an alarm company? mobile_home.dwelling.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm
What county is it in? mobile_home.location.county a Florida county (only when it applies) Filled in from the address; asked only when the lookup can't place it.
Which of these describes where the mobile home is? mobile_home.location.territory the rating area within the county, from a list (only when it applies)
Why we ask: Florida insurers price wind coverage by area, and places near the coast cost more to insure.
Updates to the home
- Rows: Roof; Plumbing; Hot water heater; Electrical; Heating and air
- Columns: Year last replaced mobile_home.dwelling.roofYear (year); Original to home or unsure mobile_home.dwelling.roofOriginal (a box to tick)
What covers the roof? mobile_home.dwelling.roofCovering one of: Shingles; Metal; Tile; Flat roof covering; I'm not sure

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Mobile or Manufactured Home
- Columns: Insured now prior.mobile_home.insured (one of: Yes; No; No, buying it now); Insurance company prior.mobile_home.carrier (text, with a list of common answers); Renews on prior.mobile_home.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Flood

Add it to your home, or on its own

Start at https://www.magnusonins.com/quote?lines=flood. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: start from the address, so county records fill in the year built and living area; or upload the current declarations page, 4-point inspection, wind mitigation inspection (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

About the property

Do you own or rent the property? flood.flood.ownership one of: I own it; I rent it
How much building coverage do you want? flood.flood.buildingCoverage dollar amount (optional; only when it applies) Leave it blank and your agent will suggest an amount.
How much coverage for your belongings? flood.flood.contentsCoverage dollar amount (optional)
What does the building sit on? flood.flood.foundation one of: A concrete slab on the ground; A crawlspace; Raised on piers, posts or pilings; A basement; I'm not sure
Do you have an elevation certificate? flood.flood.elevationCertificate one of: Yes; No; I'm not sure A surveyor's form showing how high the building sits. It can lower the price.

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Flood
- Columns: Insured now prior.flood.insured (one of: Yes; Yes, in the prior owner's name; No); Insurance company prior.flood.carrier (text, with a list of common answers); Renews on prior.flood.renews (date)
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Auto

Start at https://www.magnusonins.com/quote?lines=auto. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: upload the current declarations page, ID cards (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Auto
- Columns: Insured now prior.auto.insured (one of: Yes; No, it lapsed; No); Insurance company prior.auto.carrier (text, with a list of common answers); Renews on prior.auto.renews (date)

Drivers

Include everyone in your household who has a license or permit.

Drivers: one column per driver, up to 6. Each column asks:
- First name applicant.firstName text
- Last name applicant.lastName text
- Date of birth applicant.dateOfBirth date
- Relationship to you drivers.N.relationship one of: Spouse or partner; Son or daughter; Parent; Another relative; Not related
- Marital status drivers.N.maritalStatus one of: Married; Single; Divorced or separated; Widowed
- Gender on license drivers.N.gender one of: Female; Male (optional)
- Driver's license drivers.N.license one of: Florida; Another U.S. state; From another country; Learner's permit; No license
- Driver's license number drivers.N.licenseNumber text (optional; only when it applies)
- Education drivers.N.education one of: No high school diploma; High school diploma or GED; Vocational or technical degree; Some college; Associate degree; Bachelor's degree; Master's degree; Doctorate or professional degree
- Occupation drivers.N.occupation text
- Accidents or tickets in the last 5 years? drivers.N.incidents5y yes or no
Everyone in my household who is 15 or older is listed above, or doesn't drive my cars. auto.allListed a box to tick (optional)

Accidents and tickets

Accidents and tickets (only when it applies) An approximate date is fine.
- Rows: Incident 1; Incident 2; Incident 3; Incident 4
- Columns: Accident or ticket drivers.N.incidents.M.type (one of: At-fault accident; Not-at-fault accident; Ticket or violation; Something else); Month drivers.N.incidents.M.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year drivers.N.incidents.M.year (year); What happened drivers.N.incidents.M.description (text)

Vehicles

Vehicles: one column per vehicle, up to 6. Each column asks:
- VIN vehicles.N.vin VIN (vehicle identification number) (optional) On the registration or insurance card. Fills in the year, make and model.
- Year vehicles.N.year year
- Make vehicles.N.make text
- Model vehicles.N.model text
- Primary use vehicles.N.use one of: Driving to work or school; Errands and personal trips; For business; Rideshare or delivery
- Annual miles vehicles.N.miles one of: 0 - 3,999; 4,000 - 5,999; 6,000 - 7,999; 8,000 - 9,999; 10,000 - 11,999; 12,000 - 13,999; 14,000 - 15,999; 16,000 - 17,999; 18,000 - 19,999; 20,000+
- Owned, financed or leased vehicles.N.ownership one of: Owned outright; Financed; Leased
- Coverage for damage to it vehicles.N.physicalDamage one of: Yes; No, just the coverage the law requires; I'm not sure Comprehensive and collision. Lenders and leasing companies require it.
- Kept overnight at your address vehicles.N.garagedAtAddress yes or no
- Garaging ZIP code (when the answer above calls for it) vehicles.N.garagingZip ZIP code (only when it applies)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Motorcycle, RV or ATV

Start at https://www.magnusonins.com/quote?lines=motorcycle_rv. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: upload the current declarations page, ID cards (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Motorcycle, RV or ATV
- Columns: Insured now prior.motorcycle_rv.insured (yes or no); Insurance company prior.motorcycle_rv.carrier (text, with a list of common answers); Renews on prior.motorcycle_rv.renews (date)

Drivers

Include everyone in your household who has a license or permit.

Drivers: one column per driver, up to 6. Each column asks:
- First name applicant.firstName text
- Last name applicant.lastName text
- Date of birth applicant.dateOfBirth date
- Relationship to you drivers.N.relationship one of: Spouse or partner; Son or daughter; Parent; Another relative; Not related
- Marital status drivers.N.maritalStatus one of: Married; Single; Divorced or separated; Widowed
- Gender on license drivers.N.gender one of: Female; Male (optional)
- Driver's license drivers.N.license one of: Florida; Another U.S. state; From another country; Learner's permit; No license
- Driver's license number drivers.N.licenseNumber text (optional; only when it applies)
- Education drivers.N.education one of: No high school diploma; High school diploma or GED; Vocational or technical degree; Some college; Associate degree; Bachelor's degree; Master's degree; Doctorate or professional degree
- Occupation drivers.N.occupation text
- Accidents or tickets in the last 5 years? drivers.N.incidents5y yes or no

Accidents and tickets

Accidents and tickets (only when it applies) An approximate date is fine.
- Rows: Incident 1; Incident 2; Incident 3; Incident 4
- Columns: Accident or ticket drivers.N.incidents.M.type (one of: At-fault accident; Not-at-fault accident; Ticket or violation; Something else); Month drivers.N.incidents.M.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year drivers.N.incidents.M.year (year); What happened drivers.N.incidents.M.description (text)

Motorcycles, RVs and ATVs

Motorcycles, RVs and ATVs: one column per vehicle, up to 4. Each column asks:
- VIN motorcycle_rv.units.N.vin VIN (vehicle identification number) (optional) On the title or registration. Fills in the kind, year, make and model.
- Kind of vehicle motorcycle_rv.units.N.type one of: Motorcycle or trike; Scooter or moped; Motor home (RV); Travel trailer or fifth wheel; ATV, UTV or side-by-side; Golf cart or low-speed vehicle
- Year motorcycle_rv.units.N.year year
- Make motorcycle_rv.units.N.make text
- Model motorcycle_rv.units.N.model text
- Engine size (cc) motorcycle_rv.units.N.engineCc number (cc) (only when it applies)
- Length (feet) motorcycle_rv.units.N.length number (feet) (only when it applies)
- Estimated market value motorcycle_rv.units.N.value dollar amount Including added equipment, like custom parts or a lift kit.
- Primary use motorcycle_rv.units.N.use one of: Recreation and trips; Commuting or errands; Full-time living; For business
- Where it's kept motorcycle_rv.units.N.storage one of: Garage; Driveway or carport; Storage facility; RV park or campground; Somewhere else
- Registered and tagged for the road motorcycle_rv.units.N.streetLegal yes or no (only when it applies)
- Owned, financed or leased motorcycle_rv.units.N.ownership one of: Owned outright; Financed; Leased
- Coverage for damage to it motorcycle_rv.units.N.physicalDamage one of: Yes; No, liability only; I'm not sure Comprehensive and collision. Lenders and leasing companies require it.
- Main operator's experience motorcycle_rv.units.N.experience one of: Less than 1 year; 1 to 2 years; 3 to 5 years; 6 to 10 years; More than 10 years (only when it applies)
- Motorcycle safety course motorcycle_rv.units.N.safetyCourse yes or no (optional; only when it applies)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Boat

Start at https://www.magnusonins.com/quote?lines=boat. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: upload the current declarations page (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code
Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Boat
- Columns: Insured now prior.boat.insured (yes or no); Insurance company prior.boat.carrier (text, with a list of common answers); Renews on prior.boat.renews (date)

Operators

Everyone who operates the boat or jet ski, you first.

Operators: one column per operator, up to 6. Each column asks:
- First name applicant.firstName text
- Last name applicant.lastName text
- Date of birth applicant.dateOfBirth date
- Relationship to you drivers.N.relationship one of: Spouse or partner; Son or daughter; Parent; Another relative; Not related
- Marital status drivers.N.maritalStatus one of: Married; Single; Divorced or separated; Widowed
- Gender on license drivers.N.gender one of: Female; Male (optional)
- Accidents or tickets in the last 5 years? drivers.N.incidents5y yes or no

Accidents and tickets

Accidents and tickets (only when it applies) An approximate date is fine.
- Rows: Incident 1; Incident 2; Incident 3; Incident 4
- Columns: Accident or ticket drivers.N.incidents.M.type (one of: At-fault accident; Not-at-fault accident; Ticket or violation; Something else); Month drivers.N.incidents.M.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year drivers.N.incidents.M.year (year); What happened drivers.N.incidents.M.description (text)

Boats and jet skis

Boats and jet skis: one column per boat, up to 4. Each column asks:
- Kind of boat boat.units.N.type one of: Jet ski (personal watercraft); Center console or fishing boat; Bass or flats boat; Bowrider or runabout; Pontoon or deck boat; Cabin cruiser or yacht; Sailboat; Something else
- Hull ID (HIN) boat.units.N.hin text (optional) 12 characters, on the transom and the registration.
- Year boat.units.N.year year
- Make boat.units.N.make text
- Model boat.units.N.model text (optional)
- Length (feet) boat.units.N.length number (feet)
- Hull material boat.units.N.hull one of: Fiberglass; Aluminum; Wood; Inflatable or rigid inflatable; Something else
- Engine boat.units.N.engine one of: Outboard; Inboard; Inboard/outboard (sterndrive); Jet drive; No engine
- Total horsepower boat.units.N.horsepower number (hp) (only when it applies)
- Estimated market value boat.units.N.value dollar amount Including the motor and equipment.
- Insure the trailer too boat.units.N.trailer yes or no
- Where it's kept boat.units.N.storage one of: On a trailer at home; Lift or dock at home; Marina slip; Dry storage or rack; Somewhere else
- Where it's used boat.units.N.waters one of: Lakes and rivers; Bays and the Intracoastal; Offshore (Gulf or Atlantic)
- Owned, financed or leased boat.units.N.ownership one of: Owned outright; Financed; Leased
- Coverage for damage to it boat.units.N.physicalDamage one of: Yes; No, liability only; I'm not sure Lenders require it.
- Main operator's experience boat.units.N.experience one of: Less than 1 year; 1 to 2 years; 3 to 5 years; 6 to 10 years; More than 10 years
- Boating safety course boat.units.N.safetyCourse yes or no (optional)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Life

Start at https://www.magnusonins.com/quote?lines=life. The pages, in order:

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

Life insurance

Who is it for? life.who one of: Just me; Me and my spouse or partner; My family, including children; Someone else
What kind of life insurance? life.type one of: Term life; Whole or universal life; Final expense; I'm not sure yet
How much coverage? life.amount one of: $10,000; $15,000; $20,000; $25,000; $50,000; $100,000; $150,000; $200,000; $250,000; $300,000; $400,000; $500,000; $750,000; $1,000,000; $1,500,000; $2,000,000; $3,000,000; $5,000,000 or more; I'm not sure yet
How many years of coverage? life.term one of: 10 years; 15 years; 20 years; 25 years; 30 years; I'm not sure yet (only when it applies) Term life keeps the same price for this many years.

About you

What is your date of birth? applicant.dateOfBirth date (only when it applies)
Why we ask: Insurance companies use age to price most policies.

About you

What is your sex? life.you.sex one of: Male; Female (only when it applies) As insurance companies rate it.
When did you last use nicotine? life.you.nicotine one of: Never; More than 5 years ago; 2 to 5 years ago; 1 to 2 years ago; In the last 12 months (only when it applies) Any kind: cigarettes, cigars, vapes, dip or chew, pouches, gum or patches.
When did you last use cannabis? life.you.cannabis one of: Never; More than 5 years ago; 2 to 5 years ago; 1 to 2 years ago; In the last 12 months (only when it applies) Marijuana in any form: smoked, vaped or edibles.
How tall are you? life.you.height one of: 4 ft 0 in; 4 ft 1 in; 4 ft 2 in; 4 ft 3 in; 4 ft 4 in; 4 ft 5 in; 4 ft 6 in; 4 ft 7 in; 4 ft 8 in; 4 ft 9 in; 4 ft 10 in; 4 ft 11 in; 5 ft 0 in; 5 ft 1 in; 5 ft 2 in; 5 ft 3 in; 5 ft 4 in; 5 ft 5 in; 5 ft 6 in; 5 ft 7 in; 5 ft 8 in; 5 ft 9 in; 5 ft 10 in; 5 ft 11 in; and 13 more (only when it applies)
How much do you weigh? life.you.weight number (pounds) (only when it applies)

Life insurance you have now

Do you, or anyone this would cover, have life insurance now? life.existing one of: Yes; Only through work; No

People to insure (only for some answers)

Everyone the policy would cover besides you.

People to insure: one column per person, up to 4. Each column asks:
- First name life.people.N.firstName text
- Last name life.people.N.lastName text
- Relationship to you life.people.N.relationship one of: Spouse or partner; Child; Parent; Someone else
- Date of birth life.people.N.dateOfBirth date
- Sex life.people.N.sex one of: Male; Female
- Last used nicotine life.people.N.nicotine one of: Never; More than 5 years ago; 2 to 5 years ago; 1 to 2 years ago; In the last 12 months (only when it applies) Any kind: cigarettes, cigars, vapes, dip or chew, pouches, gum or patches.
- Last used cannabis life.people.N.cannabis one of: Never; More than 5 years ago; 2 to 5 years ago; 1 to 2 years ago; In the last 12 months (only when it applies) Marijuana in any form: smoked, vaped or edibles.
- Height life.people.N.height one of: 4 ft 0 in; 4 ft 1 in; 4 ft 2 in; 4 ft 3 in; 4 ft 4 in; 4 ft 5 in; 4 ft 6 in; 4 ft 7 in; 4 ft 8 in; 4 ft 9 in; 4 ft 10 in; 4 ft 11 in; 5 ft 0 in; 5 ft 1 in; 5 ft 2 in; 5 ft 3 in; 5 ft 4 in; 5 ft 5 in; 5 ft 6 in; 5 ft 7 in; 5 ft 8 in; 5 ft 9 in; 5 ft 10 in; 5 ft 11 in; and 13 more (only when it applies)
- Weight (pounds) life.people.N.weight number (pounds) (only when it applies)

Life insurance you have now (only for some answers)

Each policy in force now, including any through work.

Life insurance you have now: one column per policy, up to 3. Each column asks:
- Company life.current.N.company text
- Who it covers life.current.N.insured text (optional)
- Coverage amount life.current.N.amount dollar amount
- Kind of policy life.current.N.kind one of: Term; Whole or universal; Through work; I'm not sure
- Would the new policy replace it? life.current.N.replace one of: Yes; No, keep both; I'm not sure Replacing a policy takes extra forms, so your agent will go over it with you.

About you

First name applicant.firstName text
Last name applicant.lastName text

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Dental or Vision

Start at https://www.magnusonins.com/quote?lines=dental_vision. The pages, in order:

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

Dental and vision

Who is it for? dentalVision.who one of: Just me; Me and my spouse or partner; My family, including children; Someone else
Dental, vision or both? dentalVision.type one of: Dental; Vision; Both

People to cover (only for some answers)

Everyone the plan would cover besides you.

People to cover: one column per person, up to 6. Each column asks:
- First name dentalVision.people.N.firstName text
- Last name dentalVision.people.N.lastName text
- Relationship to you dentalVision.people.N.relationship one of: Spouse or partner; Child; Parent; Someone else
- Date of birth dentalVision.people.N.dateOfBirth date

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Umbrella

Extra liability over home and auto

Start at https://www.magnusonins.com/quote?lines=umbrella. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: upload the current declarations page (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code
Your current policies (only when it applies) A row for each coverage you chose. Choose No for any you don't have today.
- Rows: Umbrella
- Columns: Insured now prior.umbrella.insured (yes or no); Insurance company prior.umbrella.carrier (text, with a list of common answers); Renews on prior.umbrella.renews (date)

Umbrella

How much umbrella coverage? umbrella.limit one of: $1 million; $2 million; $3 million or more; I'm not sure yet

The policies under it

What is the liability limit on your home or renters policy? umbrella.homeLiability one of: $100,000; $300,000; $500,000 or more; I don't have home or renters insurance; I'm not sure It's on the declarations page, under personal liability.
What are the bodily injury limits on your auto policy? umbrella.autoLiability one of: Less than $100,000 / $300,000; $100,000 / $300,000; $250,000 / $500,000; $500,000 or more; I don't have auto insurance; I'm not sure Per person / per accident, on the declarations page.
Cars and drivers in the household
- Rows: Household
- Columns: Cars and trucks umbrella.vehicles (number); Licensed drivers umbrella.drivers (number)
Are any of them under 25? umbrella.youngDrivers yes or no (only when it applies)
Has anyone in your household had an accident, a ticket or a DUI in the last 5 years? umbrella.incidents yes or no

What else you own

Do you have any of these? umbrella.exposures any of: A boat or jet ski; A motorcycle, ATV or golf cart; A rental property you own; A swimming pool; A trampoline; A dog; None of these Each is covered by the umbrella once the policy under it is in place.

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Jewelry and Collectibles

Start at https://www.magnusonins.com/quote?lines=valuables. The pages, in order:

Save time and let us fill in some answers for you

Optional, to save typing: upload the current declarations page (up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

Jewelry and collectibles

Each piece to insure on its own. A home policy covers jewelry and collectibles only up to small limits.

Jewelry and collectibles: one column per item, up to 8. Each column asks:
- Kind of item valuables.items.N.kind one of: Jewelry; Watch; Fine art; Collectible or memorabilia; Silverware; Musical instrument; Camera equipment; Something else
- Description valuables.items.N.description text For example: platinum engagement ring, 1.5-carat diamond.
- Value valuables.items.N.value dollar amount The appraised value, or what it would cost to replace.
- Appraisal or receipt valuables.items.N.appraisal one of: Appraisal in the last 5 years; Older appraisal; Receipt only; Neither
- Kept in a safe or bank vault valuables.items.N.safe yes or no (optional)

About you

First name applicant.firstName text
Last name applicant.lastName text
What is your date of birth? applicant.dateOfBirth date
Why we ask: Insurance companies use age to price most policies.
Have you experienced a loss or filed any insurance claims in the last 5 years? losses.any5y yes or no
Your claims and losses (only when it applies) Approximate dates are fine.
- Rows: Claim 1; Claim 2; Claim 3; Claim 4; Claim 5
- Columns: Month losses.N.month (one of: January; February; March; April; May; June; July; August; September; October; November; December); Year losses.N.year (year); What happened losses.N.description (text)

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Pet

Dogs and cats

Start at https://www.magnusonins.com/quote?lines=pet. The pages, in order:

What would you like to insure?

What's your address?

Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

Your pets

Each dog or cat to insure.

Your name

First name applicant.firstName text
Last name applicant.lastName text
Your pets: one column per pet, up to 6. Each column asks:
- Name pet.pets.N.name text
- Dog or cat pet.pets.N.species one of: Dog; Cat
- Breed pet.pets.N.breed text Or the main breeds of a mix, like "Lab mix".
- Age pet.pets.N.age one of: Under 1 year; 1 year; 2 years; 3 years; 4 years; 5 years; 6 years; 7 years; 8 years; 9 years; 10 years; 11 years; 12 years; 13 years; 14 years; 15 years; 16 years; 17 years; 18 years; 19 years; 20 years or older
- Sex pet.pets.N.sex one of: Male; Female
- Spayed or neutered pet.pets.N.fixed yes or no

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Business insurance

A business request asks about the business first, whatever coverage it needs, then suggests the coverage to quote from those answers (the customer can change the list), then asks each chosen coverage's own questions.

Every business request

Let's fill in your application for you

Optional, to save typing: find the business on Google Maps so its listing fills in the name and address, or upload current insurance documents (a declarations page, policy, past application or certificate; up to 3 files, 4 MB in all) and the answers they show are filled in for the customer to check. Or skip it and type everything.

Where is the business located?

The main location. Your agent can add others.

Business name business.name text
Street address location.street text
Apartment, unit or suite location.unit text (optional)
City location.city text
State location.state state
ZIP code location.zip ZIP code

Tell us about the business

What industry is the business in? business.industry one of: Construction and Contracting; Restaurant and Food Service; Manufacturing and Production; Retail and Wholesale; Real Estate and Property Management; Professional and Business Services; Healthcare and Personal Services; Transportation and Delivery; Landscaping and Home Services; Something else
Why we ask: Each kind of business has its own risks, so your agent asks a few follow-up questions and sends your request to the insurance companies that write it.
What type of business is it? business.type text, matched to the Census NAICS industry list Start typing to search the industry list (U.S. Census NAICS), narrowed to the industry above, or enter your own.
What products or services do you advertise? business.description text A sentence or two is plenty. For example: "We install and repair residential air conditioning."
Why we ask: Insurance companies price business coverage by the type of work, so this is the most important answer.
What is your website? business.website text (optional)

Car wash

What kind of wash is it? wash.type any of: Self-serve bays (unattended); Self-serve bays (attended); Automatic or tunnel; Hand wash; Detailing; Mobile detailing at the customer's location (only when it applies)
Do employees drive customers' vehicles? wash.drive one of: No, customers stay in or drive through; Yes, on the lot only; Yes, including pick-up and delivery (only when it applies)
How far for pick-up and delivery? wash.radius one of: Within 10 miles; 10 to 25 miles; Farther (only when it applies)
What is the most valuable vehicle likely to come through? wash.maxValue one of: Under $50,000; $50,000 to $100,000; $100,000 to $250,000; Over $250,000 (only when it applies)
Do customers' vehicles stay overnight? wash.overnight yes or no (only when it applies)
How are they kept? wash.security any of: Inside a locked building; Fenced and gated lot; Cameras; Alarm; Lighting; Open lot (only when it applies)
Where are customers' keys kept? wash.keys one of: Locked box or office; With the attendant; Left in the vehicle (only when it applies)
Do you sell fuel or run a convenience store too? wash.fuel yes or no (only when it applies)
Do you do any paint, wrap, tint or windshield repair? wash.paint any of: Window tint; Wraps or decals; Windshield chip repair; Paint touch-up or clear coat; None of these (only when it applies)
How is wash water handled? wash.water one of: Reclaim system; Sanitary sewer; Storm drain or ground; I'm not sure (only when it applies)
About how many vehicles a year? wash.vehiclesPerYear one of: Under 5,000; 5,000 to 25,000; 25,000 to 100,000; More than 100,000 (only when it applies)

Events and performances

What do you do? ent.work any of: Photography; Video; DJ or MC; Live music or performance; Photo booth; Drone photography or video (only when it applies)
About how many jobs or events a year? ent.events one of: Under 20; 20 to 50; 51 to 150; More than 150 (only when it applies)
Where do you mostly work? ent.venues any of: Private events (weddings, parties); Bars, clubs and restaurants; Schools, churches and community venues; Corporate and studio work; Outdoor festivals and fairs (only when it applies)
Do you fly a drone for work? ent.drone yes or no (only when it applies)
Does the pilot hold an FAA Part 107 certificate? ent.droneLicense yes or no (only when it applies)
About what is your equipment worth? ent.equipment one of: Under $10,000; $10,000 to $25,000; $25,000 to $75,000; Over $75,000 (only when it applies)
What is the single most valuable item worth? ent.equipmentTopItem dollar amount (optional; only when it applies)
Who works with you? ent.helpers any of: Nobody, just the owner; Employees; Second shooters, assistants or other performers hired per job (only when it applies)
Do you use a written contract with clients? ent.contracts one of: Always; Most of the time; Sometimes; Never (only when it applies)
Do you use any of these at events? ent.effects any of: Fog, haze or CO2; Pyrotechnics, sparklers or open flame; Lasers; Inflatables or staging of your own; Rented lighting trusses; None of these (only when it applies)
Do you work outside Florida or outside the U.S.? ent.travel one of: Florida only; Other states too; Outside the U.S. too (only when it applies)
Do you rent vans or trucks for jobs, or have staff drive their own cars for the business? ent.vehicles yes or no (only when it applies)
Do you ever sell or serve alcohol at events? ent.alcohol yes or no (only when it applies)

Store

Share of sales (only when it applies)
- Rows: Beer, wine and liquor; Tobacco and vape; Gasoline; Lottery; Prepared food; Everything else
- Columns: Percent store.salesMix.alcohol (number (%))
What is your Florida alcoholic beverage license? store.license one of: None; 2APS (beer, package only); 2COP (beer and wine); 3PS (beer and wine, package only); 4COP or quota (liquor); Other (only when it applies)
What is the license number? store.licenseNumber text (optional; only when it applies)
When are you open? store.hours one of: Daytime and evening; Until midnight; Later than midnight; 24 hours (only when it applies)
What time do alcohol sales stop? store.alcoholCutoff one of: By midnight; Midnight to 2 a.m.; After 2 a.m. (only when it applies)
How do you check IDs for alcohol and tobacco? store.idChecks any of: Everyone who looks under 30; Everyone; An ID scanner; Posted minimum-age signs; Staff have completed a responsible-vendor course (only when it applies)
Any alcohol or tobacco citations, fines or license actions in the last five years? store.violations yes or no (only when it applies)
What happened? store.violationsDetails text (only when it applies)
Is any alcohol consumed on the premises (bar, tastings, events)? store.onPremises yes or no (only when it applies)
Do you deliver, use a drive-through, or sell online? store.delivery any of: Delivery; Drive-through; Online orders; None of these (only when it applies)
Do you sell fuel? store.fuel yes or no (only when it applies)
How many pumps? store.pumps number (pumps) (only when it applies)
Self-service or full service? store.fuelService one of: Self-service; Full service; Both (only when it applies)
Propane? store.propane one of: None; Tank exchange only; We fill tanks (only when it applies)
Do you cook or prepare food? store.cooking one of: No; Microwave or hot dogs only; Fryer, grill or pizza oven (only when it applies)
Is there a hood with automatic fire suppression, serviced twice a year? store.hood one of: Yes; No; I'm not sure (only when it applies)
Which of these do you have? store.security any of: Central-station burglar alarm; Cameras inside and out; Panic button; Drop safe; Security guard; None of these (only when it applies)
Are there firearms on the premises, or armed security? store.firearms yes or no (only when it applies)
Anything else at the location? store.otherServices any of: Car wash; Auto repair; ATM; Check cashing; Apartments or rooms upstairs; Space leased to another business; None of these (only when it applies)

Food truck and catering

What do you cook or serve from? food.units any of: Food truck; Food trailer; Cart or tent; A commercial kitchen (catering); A hall or venue we own; Concession stand at a venue (only when it applies)
How many trucks or trailers? food.unitCount number (units) (only when it applies)
Where do you usually serve? food.where any of: Set spots (lots, breweries, offices); Festivals and fairs; Private events and weddings; Street vending; Construction sites or job sites (only when it applies)
About how many events a year? food.eventsPerYear one of: Under 25; 25 to 100; More than 100; We serve daily (only when it applies)
Where is the food prepared? food.kitchen one of: Entirely on the truck; A licensed commissary; Our own commercial kitchen; A rented kitchen (only when it applies)
Which commissary? food.commissaryName text (optional; only when it applies)
What do you cook with? food.cooking any of: Deep fryer; Grill or flat top; Range or oven; Smoker or charcoal; Warming only (only when it applies)
When was the fire suppression system last serviced? food.suppressionService one of: Within 6 months; 6 to 12 months ago; Longer; There isn't one (only when it applies)
Do you use propane on the unit? food.propane yes or no (only when it applies)
How big are the tanks? food.propaneSize one of: Up to 40 lb; 41 to 100 lb; Larger (only when it applies)
Has the system been inspected in the last year? food.propaneInspected yes or no (only when it applies)
Do you run a generator? food.generator one of: No; Yes, on the unit; Yes, towed or portable (only when it applies)
Has the fire department inspected the unit? food.fireInspection one of: Yes, passed; Yes, with items to fix; Not yet (only when it applies)
Do you carry liquor liability now? food.liquorCarried yes or no (only when it applies)
Do you hire security or bartenders for events? food.security any of: Security guards; Bartenders; Valet; None of these (only when it applies)
Do you sell anything besides food and drink? food.products any of: Merchandise; Packaged food under our own label; Nothing else (only when it applies)

Follow-up questions by industry

"What industry is the business in?" opens that industry's follow-ups on the same page. Many depend on the answers before them (the trades chosen, the services offered, the NAICS code of the business type), so most are marked "only when it applies".

Construction and Contracting (Builders, trades, roofing, remodeling)

Which trades do you perform? ind.con.trades any of: A/C & Refrigeration; Appliance & Accessories Installation; Carpentry (Framing); Carpentry (Interior/Woodwork/Shop); Carpet Cleaning; Cleaning (Outside Building); Concrete (Flat); Concrete (Foundations - No Repair); Debris Removal (Construction Site); Demolition - Non Structural; Demolition - Structural; Door Installation – Overhead Doors; Door/Window Installation; Drywall; Electrical; Equipment Rental (w/Operator); Excavation; Fencing; Floor Covering Installation; Garage Door Installation; General Contractor (New Commercial); General Contractor (New Residential); General Contractor (Remodel Commercial); General Contractor (Remodel Residential); and 49 more Use + to add another. We start with the one that matches your business type.
How tall is your tallest exterior work? ind.con.height one of: One or two stories; Three stories; Four stories or more
About how much do you spend on subcontractors each year? ind.con.subcontractorCost dollar amount
The applicant doesn't hire subcontractors. ind.con.noSubs a box to tick (optional)

Contractor operations

Percent of your work by project type All nine boxes add up to 100%. Enter 0 where you don't do that kind of work.
- Rows: Residential; Commercial; Industrial
- Columns: New build con.mix.res.new (number); Remodel / Repair con.mix.res.remodel (number); Demolition con.mix.res.demo (number)
Which trades do insured subcontractors do? con.insuredSubTrades any of: A/C & Refrigeration; Appliance & Accessories Installation; Carpentry (Framing); Carpentry (Interior/Woodwork/Shop); Carpet Cleaning; Cleaning (Outside Building); Concrete (Flat); Concrete (Foundations - No Repair); Debris Removal (Construction Site); Demolition - Non Structural; Demolition - Structural; Door Installation – Overhead Doors; Door/Window Installation; Drywall; Electrical; Equipment Rental (w/Operator); Excavation; Fencing; Floor Covering Installation; Garage Door Installation; General Contractor (New Commercial); General Contractor (New Residential); General Contractor (Remodel Commercial); General Contractor (Remodel Residential); and 49 more (optional; only when it applies)
Which trades do uninsured subcontractors do? con.uninsuredSubTrades any of: A/C & Refrigeration; Appliance & Accessories Installation; Carpentry (Framing); Carpentry (Interior/Woodwork/Shop); Carpet Cleaning; Cleaning (Outside Building); Concrete (Flat); Concrete (Foundations - No Repair); Debris Removal (Construction Site); Demolition - Non Structural; Demolition - Structural; Door Installation – Overhead Doors; Door/Window Installation; Drywall; Electrical; Equipment Rental (w/Operator); Excavation; Fencing; Floor Covering Installation; Garage Door Installation; General Contractor (New Commercial); General Contractor (New Residential); General Contractor (Remodel Commercial); General Contractor (Remodel Residential); and 49 more (optional; only when it applies)

Contracts and subcontractors

Do you confirm that all of these are true? con.practices yes or no (only when it applies)
- Customers always sign a written contract.
- Your subcontractor contracts include a hold harmless agreement in your favor.
- Every subcontractor's certificate names you as an additional insured.
- Subcontractors carry liability limits of at least $1 million.
- You keep subcontractor certificates for at least 3 years.

Contracts and subcontractors

Do you always use a written contract with customers? con.writtenContract yes or no (only when it applies)
Do your subcontractor contracts include a hold harmless agreement in your favor? con.subHoldHarmless yes or no (only when it applies)
Are you named as an additional insured on every subcontractor's certificate? con.subAdditionalInsured yes or no (only when it applies)
What liability limits do you require of subcontractors? con.subLimits one of: No set requirement; $100,000; $300,000; $500,000; $1 million; $2 million (only when it applies)
How long do you keep subcontractor certificates? con.subCertKept one of: We don't keep them; Less than 1 year; 1 year; 2 years; 3 years or more (only when it applies)

Residential and multi-family work

Do you work on condos, townhouses or tract homes? con.condo yes or no Tract homes are many similar houses built by one builder in the same development.
How many units are involved? con.condoUnits number (only when it applies)
Where is the work, and what do you do on it? con.condoWork text (only when it applies)
Who is the work for? con.condoFor one of: Individual unit owners; Contract with the association; Both (only when it applies)

Construction defects

Have you had a construction defect loss, claim or lawsuit? con.defect yes or no Any construction defect loss or claim, a class action construction defect suit, or pending litigation you know of.
What happened, when, and where does it stand? con.defectDetails text (only when it applies)

Special exposures

Have you or your subcontractors ever done any of this work? con.exposures any of: Airports; Alarm monitoring or security system work; Architecture/Design; Asbestos removal; Blasting; Caisson or pile driving; Chinese drywall remediation; Cofferdam; Dams/Reservoirs; Fire/Water restoration; Fireproofing; Hospitals/Operating rooms; Lead abatement; Mold remediation; Oil or gas fields; Radon mitigation; Removal/Installation of underground tanks; Sewer mains; Sprinklers/Fire prevention; Synthetic stucco (EIFS); Underpinning; Use of cranes/hoists; Work in clean rooms or manufacturing plants; Work in correctional or medical facilities, including nursing homes and assisted living; and 4 more
Can you describe that work? con.exposuresDetails text (only when it applies)

Your trade

Do you do work for cities, counties, schools or other public bodies? trade.municipal yes or no (only when it applies)
Do you remove or disturb asbestos, lead paint or mold? trade.abatement yes or no (only when it applies)
Do you do any work besides the trades listed above? trade.otherWork yes or no (only when it applies)
What other work? trade.otherWorkDetails text (only when it applies)
Do you work as a subcontractor for general contractors? trade.worksAsSub one of: Never; Some of the time; Most of the time (only when it applies)
What was the largest job in the last three years? trade.largestJob text (only when it applies) A few words on what it was. The agent asks about the next two on the call.
About what did that job cost? trade.largestJobCost dollar amount (only when it applies)
Do you work outside Florida? trade.outOfState yes or no (only when it applies)
Which states? trade.states text (only when it applies)
Do you keep a record of each job with the materials and equipment used? trade.jobRecords yes or no (only when it applies)

Plumbing

Do you install or repair gas lines or gas connections, now or in the past? trade.plumb.gas yes or no (only when it applies)
Do you work on boilers or other high-pressure systems? trade.plumb.boilers one of: No; Low-pressure boilers and water heaters only; High-pressure boilers (only when it applies) High pressure means over 15 psi of steam or 30 psi of hot water.
Do you install or service septic systems? trade.plumb.septic yes or no (only when it applies)
How deep do you dig? trade.plumb.trench one of: No digging; Up to 4 feet; 4 to 10 feet; Deeper than 10 feet (only when it applies)
Do you use trench boxes or shoring below 4 feet? trade.plumb.trenchProtection yes or no (only when it applies)
After soldering or sweating pipe, does someone stay on site at least 30 minutes? trade.plumb.torch yes or no (only when it applies)
Do you do process piping or medical gas work, such as in hospitals, food plants, pharmaceutical or industrial sites? trade.plumb.processPiping yes or no (only when it applies)
Where? trade.plumb.processWhere text (only when it applies)
Do you clean air ducts or vents? trade.plumb.ductCleaning yes or no (only when it applies)
Do you offer 24-hour emergency service? trade.plumb.emergency yes or no (only when it applies)

Heating and air

Which of these do you install or service? trade.hvac.systems any of: Central air and heat pumps; Gas furnaces or gas connections; LP (propane) systems; Boilers; Commercial refrigeration or walk-in coolers; Rooftop units; Solar or wood heating; Ductwork only (only when it applies)
Are any of the boilers high-pressure (over 15 psi of steam or 30 psi of hot water)? trade.hvac.boilerPressure yes or no (only when it applies)
Do any installations need a crane or lift? trade.hvac.crane yes or no (only when it applies)
Do you also do plumbing or electrical work? trade.hvac.also any of: Plumbing; Electrical; Neither (only when it applies)
Do you dig trenches for lines or equipment pads? trade.hvac.trench one of: No; Yes, under 4 feet; Yes, 4 feet or deeper (only when it applies)
Do you sell equipment without installing it? trade.hvac.soldNotInstalled yes or no (only when it applies)
Do you also clean air ducts or vents? trade.hvac.ductCleaning yes or no (only when it applies)
Do you offer 24-hour emergency service for heating and air? trade.hvac.emergency yes or no (only when it applies)

Electrical

Which of these do you do? trade.elec.work any of: Wiring in homes and buildings; Industrial machinery or equipment; Generators and backup power; Fire or burglar alarms; Traffic signals or parking-lot lighting; Solar systems; Low-voltage, phone or data only; Work outside buildings (poles, lines, underground) (only when it applies)
Do you wire explosion-proof, wet or dusty locations (such as fuel sites, plants or marinas)? trade.elec.hazardous yes or no (only when it applies)
Do you work on systems over 480 volts? trade.elec.highVoltage yes or no (only when it applies)
Do you repair aluminum branch wiring? trade.elec.aluminum yes or no (only when it applies)
How is it repaired? trade.elec.aluminumHow text (only when it applies)
Do you repair gas or electric appliances? trade.elec.appliances yes or no (only when it applies)
Do you own any of this equipment? trade.elec.equipment any of: A bucket truck or cherry picker; A motorized lift; A backhoe, excavator or trencher; None of these (only when it applies)

Painting

About what share of your painting is exterior? trade.paint.exterior one of: None; Under 25%; 25% to 50%; Over 50% (only when it applies)
Do you paint any of these? trade.paint.structures any of: Bridges, towers or tanks; Steel structures; Ship hulls; Pavement or parking-lot striping; None of these (only when it applies)
Do you sandblast or use chemical strippers? trade.paint.blasting one of: No; Sandblasting or abrasive blasting; Chemical stripping; Both (only when it applies)
Do you do any of these? trade.paint.coatings any of: Waterproofing or roof coatings; Epoxy or floor coatings; Fireproofing or insulation; Drywall or carpentry repair; None of these (only when it applies)
Do you spray paint? trade.paint.spray one of: No; Outdoors only; In a shop or booth; Both (only when it applies)
Does the booth have automatic fire suppression and explosion-proof lighting? trade.paint.boothControls one of: Yes; No; I'm not sure (only when it applies)
When spraying outdoors, do you use containment screens and stop in wind? trade.paint.overspray yes or no (only when it applies)
Do you pressure wash beyond prep for painting? trade.paint.pressureWashing yes or no (only when it applies)
How do you store and dispose of paint, solvents and rags? trade.paint.waste text (only when it applies)

Handyman work

What kind of work do you do? hm.work any of: Small repairs and maintenance; Painting; Drywall and trim; Doors, windows and locks; Fixtures (faucets, lights, fans); Decks and fences; Tile and flooring; Furniture and TV mounting; Pressure washing; Gutter cleaning; Other (only when it applies)
What other work? hm.workOther text (only when it applies)
Do you take jobs of $2,500 or more, or do any wiring, plumbing, air conditioning, roofing or structural work? hm.licensedTrades one of: Yes; No; I'm not sure (only when it applies) Florida exempts casual, minor or inconsequential jobs under $2,500 in total labor and materials, unless the job is part of a larger project or whoever does it advertises as a contractor. Electrical contracting has no dollar exemption.
Do you do any roof work? hm.roofing one of: None; Patching a leak while already on site; Roof repairs or replacements (only when it applies)
Do you work on new homes, additions, condos or apartments under construction? hm.newResidential yes or no (only when it applies)
Do any of these come up in your work? hm.hazards any of: Demolition beyond interior non-load-bearing walls; Retaining walls over 3 feet; Swimming pools or spas; Synthetic stucco (EIFS); Garage doors; Alarm or security systems; Gas lines or propane; Fire sprinklers; Foundations, waterproofing or chimneys; Digging more than 6 feet deep; None of these (only when it applies)
Do customers sign a written work order or contract before work starts? hm.contracts yes or no (only when it applies)
About how many jobs do you do in a year? hm.jobsPerYear number (jobs) (optional; only when it applies)
Do you buy properties to renovate and sell or rent? hm.flips yes or no (only when it applies)
Do you work under a contract with a property manager or real estate company? hm.propertyManagers yes or no (only when it applies)

Pressure washing

What do you clean? pw.surfaces any of: House siding, driveways and pool decks; Roofs (soft wash); Decks and fences; Commercial buildings and parking lots; Fleets or heavy equipment; Tank exteriors; Tank interiors; Boats, ship hulls or aircraft; Graffiti removal; Other (only when it applies)
What else? pw.surfacesOther text (only when it applies)
What is the highest pressure your equipment runs at? pw.pressure one of: Under 2,500 psi; 2,500 to 4,000 psi; Over 4,000 psi, or hot water (only when it applies) The rating on your pump or machine is fine.
How many gallons a minute does your biggest machine put out? pw.gpm number (gallons a minute) (optional; only when it applies)
What goes in the water? pw.chemicals any of: Water only; Soaps and detergents; Bleach (sodium hypochlorite) soft-wash mix; Degreasers or acids; Paint strippers or solvents (only when it applies)
How do you protect people and property on the job? pw.protection any of: Pre-wet and rinse plants; Cover outlets, windows and fixtures; Cones, signs or barriers; Check wind and weather before spraying; Capture or divert the runoff; None of these (only when it applies)
Do you keep wash water out of storm drains (reclaim, berms or diverting to landscaping)? pw.runoff one of: Yes; No; I'm not sure (only when it applies)
Do you also seal, stain or paint after washing? pw.sealing yes or no (only when it applies)
Do you wash vehicles, boats or equipment that belong to customers? pw.custody yes or no (only when it applies)
What are your rigs and equipment worth, roughly? pw.equipmentValue dollar amount (optional; only when it applies)

Restaurant and Food Service (Restaurants, bars, catering, food trucks)

What share of your sales is alcohol? ind.rest.alcohol one of: None; Under 25% of sales; 25% to 50% of sales; Over 50% of sales
Do you use deep fryers or open-flame cooking? ind.rest.cooking yes or no
Is there an automatic fire suppression system over the cooking line? ind.rest.hood one of: Yes; No; I'm not sure (only when it applies)
Are you open after midnight? ind.rest.late yes or no
Do you offer delivery, with your own drivers or a delivery app? ind.rest.delivery yes or no

Manufacturing and Production (Making, assembling or processing products)

Which processes do you use? ind.mfg.process any of: Welding or metalwork; Chemicals, coatings or plastics; Woodworking; Food or beverage processing; Assembly only; Something else
Who buys your products? ind.mfg.buyers one of: Consumers; Other businesses; Both
What share of your sales is outside the U.S.? ind.mfg.export one of: None; Under 25% of sales; 25% to 50% of sales; Over 50% of sales
Do you have written inspection, testing or recall procedures? ind.mfg.procedures yes or no

Retail and Wholesale (Stores, online sellers, distributors)

Where do you sell? ind.ret.channel any of: Brick & Mortar; Online; Social Media; Wholesale; Other
Do you import products? ind.ret.imports yes or no
Which high-risk products do you sell? ind.ret.restricted any of: Firearms or ammunition; Tobacco or vaping products; Alcohol; Hemp or CBD products; Dietary supplements; None of these

Real Estate and Property Management (Agents, landlords, property managers)

What types of property do you handle? ind.re.type any of: Residential; Commercial; Vacation rentals; Condo or HOA communities
How many properties or units do you manage? ind.re.unitsManaged number
Sales only. The applicant doesn't manage properties. ind.re.salesOnly a box to tick (optional)
Do you manage properties you also own? ind.re.owns yes or no (only when it applies)

Professional and Business Services (Consulting, accounting, IT, marketing, legal)

Do you use written contracts with clients? ind.pro.contracts yes or no

Healthcare and Personal Services (Medical, dental, salon, spa, fitness)

What services do you offer? ind.hc.services any of: Medical or dental care; Therapy or counseling; Cosmetic or aesthetic procedures; Hair, nails, spa or massage; Fitness or training; Something else
Do you have licensed practitioners, such as doctors, dentists, therapists or cosmetologists? ind.hc.licensed yes or no

Transportation and Delivery (Delivery, moving, towing, passenger transport)

What type of service do you provide? ind.tr.type one of: Local delivery; Freight hauling; Passenger transport; Moving; Towing or roadside; Something else
Do you operate outside Florida? ind.tr.interstate yes or no

Delivery work

Who do you deliver for? cour.contracts any of: Amazon (DSP, Flex or Relay); FedEx Ground pickup and delivery; FedEx or other linehaul; DHL; USPS contract routes; Medical, lab or pharmacy deliveries; Food and grocery platforms; Appliance or furniture delivery with installation; Our own customers (documents, parts, catering); Other (only when it applies)
Who else? cour.contractsOther text (only when it applies)
Which station or city do you run out of? cour.station text (only when it applies)
Deliveries to homes and to businesses (only when it applies)
- Rows: To homes; To businesses
- Columns: Percent cour.who.homes (number (%))
Scheduled routes and on-demand calls (only when it applies)
- Rows: Scheduled routes; On-demand calls
- Columns: Percent cour.how.routes (number (%))
Do drivers go inside homes or businesses to set up or install what they deliver? cour.inside yes or no (only when it applies)
How many miles does a typical route cover in a day? cour.routeMiles number (miles) (only when it applies)
What do you carry, and is any of it high value (lab specimens, medicines, electronics)? cour.goods text (only when it applies)
Does your contract require a cargo limit? cour.cargoLimit one of: No; $10,000; $25,000; $50,000; $100,000; A different amount; I'm not sure (only when it applies)
What cargo limit? cour.cargoLimitOther dollar amount (only when it applies)
How many vans do you expect to run six months from now? cour.vehiclesSoon number (vans) (optional; only when it applies)
Where do the vans sit overnight? cour.parking any of: A fenced lot with a locked gate; A lot with cameras; A guarded or patrolled lot; Drivers take them home; On the street (only when it applies)
Which of these do you do before a driver starts? cour.screening any of: Motor vehicle record; Record re-pulled every year; Criminal background check; Drug test; None yet (only when it applies)
Do the vans have telematics or cameras? cour.telematics yes or no (only when it applies)
Do you hand any deliveries to other couriers or contract drivers? cour.subcontract yes or no (only when it applies)
About what percent of deliveries? cour.subcontractPct number (%) (only when it applies)
Do you guarantee delivery times or promise compensation for a late or lost delivery? cour.guarantee yes or no (only when it applies)
Have you ever lost a delivery contract over service standards? cour.lostContract yes or no (only when it applies)

Moving work

What do you do? move.services any of: Local household moves; Long-distance household moves; Office and commercial moves; Packing and unpacking; Storage in our own warehouse; Storage in transit; Pianos, safes or other specialty items; Rigging or machinery moving; Labor only (customers rent the truck); Junk removal (only when it applies)
Are you an agent for a national van line? move.vanLine yes or no (only when it applies)
Which van line? move.vanLineName text (only when it applies)
Which of these does the van line's insurance cover on their loads? move.vanLineCovers any of: Auto liability; Cargo; Workers' comp; General liability; None of these (only when it applies)
What is your Florida mover registration number? move.fdacs text (optional; only when it applies) Movers doing household moves that start and end in Florida register with the Florida Department of Agriculture and Consumer Services.
Revenue by kind of work (only when it applies)
- Rows: Local moves; Long-distance moves; Commercial moves; Packing and materials; Storage; Other
- Columns: Percent move.revenue.local (number (%))
What's the most valuable load on one truck? move.maxValue dollar amount (only when it applies)
What valuation do you offer customers? move.valuation one of: Minimum valuation only (60 cents per pound per article); Full-value protection as an option; Both, on the bill of lading (only when it applies) Florida doesn't let a mover limit its liability below 60 cents per pound per article, and any limit must be disclosed in writing with the estimate and contract.
Does every move get a written estimate and bill of lading? move.billOfLading yes or no (only when it applies)
Moves by distance (only when it applies)
- Rows: Under 100 miles; 100 to 200 miles; 200 to 500 miles; Over 500 miles
- Columns: Percent move.radius.lt100 (number (%))
Do you store customers' goods in a building you run? move.warehouse yes or no (only when it applies)
How big is the warehouse? move.warehouseSqft number (sq ft) (only when it applies)
What is the average value of customers' goods inside? move.warehouseValue dollar amount (only when it applies)
How is the warehouse protected? move.warehouseProtection any of: Sprinklers; Central-station fire alarm; Central-station burglar alarm; Cameras; Fenced lot; None of these (only when it applies)
What is stored there? move.warehouseGoods any of: Customers' household goods only; Business records; Commercial goods for other companies; Refrigerated goods; Vehicles or boats (only when it applies)
How many moves use temp or day labor? move.dayLabor one of: None; Fewer than 1 in 10; 1 in 10 or more (only when it applies)
Do crews get formal safe-lifting training? move.liftTraining yes or no (only when it applies)
Do independent owner-operators drive for you? move.ownerOps yes or no (only when it applies)
Do they carry their own workers' comp? move.ownerOpsWc one of: Yes; No; I'm not sure (only when it applies)
How are drivers paid? move.driverPay one of: Hourly or salary; Per move or per load; A mix (only when it applies)
Do all your drivers have at least three years of commercial driving? move.driverExp yes or no (only when it applies)
Do you do military or government moves? move.government yes or no (optional; only when it applies)

Passenger work

What do you run? pax.service any of: Limousine or black car; Taxi or ride fleet; Airport or hotel shuttle; Charter bus or minibus; School or childcare transport; Non-emergency medical transport (wheelchair or stretcher); Ambulance (basic or advanced life support); Party bus; Other (only when it applies) Florida requires taxicabs to carry liability of at least $125,000 per person, $250,000 per accident and $50,000 for property damage.
What else? pax.serviceOther text (only when it applies)
How many passengers does your largest vehicle seat? pax.largestVehicle one of: Up to 8; 9 to 15; 16 or more (only when it applies) Seating 16 or more, driver included, usually calls for a driver with a CDL and a passenger endorsement.
How do trips come in? pax.dispatch one of: All pre-arranged (reservations, contracts, brokers); A mix; Mostly on-demand calls, app requests or street hails (only when it applies)
Who are the passengers? pax.passengers any of: General public; Children; Elderly or disabled riders; Patients; Students or school groups (only when it applies)
When do you operate? pax.hours one of: Daytime only; Evenings, done by midnight; Late nights or 24 hours (only when it applies)
Are your drivers employees or independent contractors? pax.driverStatus one of: Employees; Independent contractors; Both (only when it applies)
Which of these do you do for drivers? pax.screening any of: Motor vehicle record before hire; Record re-pulled every 6 or 12 months; Criminal background check; Drug and alcohol testing; Road test; Defensive driving or passenger-assistance training; CPR or first aid; None yet (only when it applies)
Do you have a written maintenance program with daily pre-trip inspections? pax.maintenance yes or no (only when it applies)
Can drivers use the vehicles off the clock? pax.personalUse yes or no (only when it applies)
Are there cameras in the vehicles? pax.cameras yes or no (optional; only when it applies)
Which county or city permits do you hold for vehicles for hire? pax.permits text (optional; only when it applies)
Medical trips by kind (only when it applies)
- Rows: Ambulatory; Wheelchair; Stretcher or gurney
- Columns: Percent pax.nemtMix.ambulatory (number (%))
Do your vehicles have lifts or ramps with wheelchair securement, and written procedures for using them? pax.lifts yes or no (only when it applies)
Do you run with lights and sirens? pax.emergency one of: No; Yes, some runs; Yes, 911 response (only when it applies)
Who is on board besides the driver? pax.medicalStaff any of: Nobody, drivers only; EMTs; Paramedics; Nurses (only when it applies) An ambulance service names its medical director on the call.
Which brokers or health plans send you trips? pax.brokers text (optional; only when it applies)
What is your ambulance service license number, and which counties issued your certificates of public convenience and necessity? pax.licenses text (only when it applies) Florida requires a Department of Health license, and a certificate of public convenience and necessity from each county served, before offering basic or advanced life support transport.

Landscaping and Home Services (Lawn care, cleaning, pest control, pool service)

How tall is your tallest exterior work? ind.con.height one of: One or two stories; Three stories; Four stories or more (only when it applies)
What services do you offer? ind.hs.type any of: Lawn care or landscaping; Cleaning; Pest control; Pool service; Handyman or repairs; Pressure washing; Something else
Do you use chemicals or pesticides? ind.hs.chemicals yes or no (only when it applies)
Do you work on roofs or tall ladders? ind.hs.heights yes or no (only when it applies)

Your trade

Do you do work for cities, counties, schools or other public bodies? trade.municipal yes or no (only when it applies)
Percent of your work by kind of job (only when it applies) The three add up to 100%.
- Rows: New construction; Remodel or alteration; Service and repair
- Columns: Percent of work trade.mix.new (number (%))
Do you work in any of these places? trade.institutional any of: Hospitals, clinics or assisted living; Clean rooms or manufacturing plants; Airports or power plants; Schools; None of these (only when it applies)
Do you remove or disturb asbestos, lead paint or mold? trade.abatement yes or no (only when it applies)
Do you do any work besides the trades listed above? trade.otherWork yes or no (only when it applies)
What other work? trade.otherWorkDetails text (only when it applies)
Do you work as a subcontractor for general contractors? trade.worksAsSub one of: Never; Some of the time; Most of the time (only when it applies)
What was the largest job in the last three years? trade.largestJob text (only when it applies) A few words on what it was. The agent asks about the next two on the call.
About what did that job cost? trade.largestJobCost dollar amount (only when it applies)
Do you work outside Florida? trade.outOfState yes or no (only when it applies)
Which states? trade.states text (only when it applies)
Do you keep a record of each job with the materials and equipment used? trade.jobRecords yes or no (only when it applies)

Plumbing

Do you install or repair gas lines or gas connections, now or in the past? trade.plumb.gas yes or no (only when it applies)
Do you work on boilers or other high-pressure systems? trade.plumb.boilers one of: No; Low-pressure boilers and water heaters only; High-pressure boilers (only when it applies) High pressure means over 15 psi of steam or 30 psi of hot water.
Do you install or service septic systems? trade.plumb.septic yes or no (only when it applies)
How deep do you dig? trade.plumb.trench one of: No digging; Up to 4 feet; 4 to 10 feet; Deeper than 10 feet (only when it applies)
Do you use trench boxes or shoring below 4 feet? trade.plumb.trenchProtection yes or no (only when it applies)
After soldering or sweating pipe, does someone stay on site at least 30 minutes? trade.plumb.torch yes or no (only when it applies)
Do you do process piping or medical gas work, such as in hospitals, food plants, pharmaceutical or industrial sites? trade.plumb.processPiping yes or no (only when it applies)
Where? trade.plumb.processWhere text (only when it applies)
Do you clean air ducts or vents? trade.plumb.ductCleaning yes or no (only when it applies)
Do you offer 24-hour emergency service? trade.plumb.emergency yes or no (only when it applies)

Heating and air

Which of these do you install or service? trade.hvac.systems any of: Central air and heat pumps; Gas furnaces or gas connections; LP (propane) systems; Boilers; Commercial refrigeration or walk-in coolers; Rooftop units; Solar or wood heating; Ductwork only (only when it applies)
Are any of the boilers high-pressure (over 15 psi of steam or 30 psi of hot water)? trade.hvac.boilerPressure yes or no (only when it applies)
Do any installations need a crane or lift? trade.hvac.crane yes or no (only when it applies)
Do you also do plumbing or electrical work? trade.hvac.also any of: Plumbing; Electrical; Neither (only when it applies)
Do you dig trenches for lines or equipment pads? trade.hvac.trench one of: No; Yes, under 4 feet; Yes, 4 feet or deeper (only when it applies)
Do you sell equipment without installing it? trade.hvac.soldNotInstalled yes or no (only when it applies)
Do you also clean air ducts or vents? trade.hvac.ductCleaning yes or no (only when it applies)
Do you offer 24-hour emergency service for heating and air? trade.hvac.emergency yes or no (only when it applies)

Electrical

Which of these do you do? trade.elec.work any of: Wiring in homes and buildings; Industrial machinery or equipment; Generators and backup power; Fire or burglar alarms; Traffic signals or parking-lot lighting; Solar systems; Low-voltage, phone or data only; Work outside buildings (poles, lines, underground) (only when it applies)
Do you wire explosion-proof, wet or dusty locations (such as fuel sites, plants or marinas)? trade.elec.hazardous yes or no (only when it applies)
Do you work on systems over 480 volts? trade.elec.highVoltage yes or no (only when it applies)
Do you repair aluminum branch wiring? trade.elec.aluminum yes or no (only when it applies)
How is it repaired? trade.elec.aluminumHow text (only when it applies)
Do you repair gas or electric appliances? trade.elec.appliances yes or no (only when it applies)
Do you own any of this equipment? trade.elec.equipment any of: A bucket truck or cherry picker; A motorized lift; A backhoe, excavator or trencher; None of these (only when it applies)

Painting

About what share of your painting is exterior? trade.paint.exterior one of: None; Under 25%; 25% to 50%; Over 50% (only when it applies)
Do you paint any of these? trade.paint.structures any of: Bridges, towers or tanks; Steel structures; Ship hulls; Pavement or parking-lot striping; None of these (only when it applies)
Do you sandblast or use chemical strippers? trade.paint.blasting one of: No; Sandblasting or abrasive blasting; Chemical stripping; Both (only when it applies)
Do you do any of these? trade.paint.coatings any of: Waterproofing or roof coatings; Epoxy or floor coatings; Fireproofing or insulation; Drywall or carpentry repair; None of these (only when it applies)
Do you spray paint? trade.paint.spray one of: No; Outdoors only; In a shop or booth; Both (only when it applies)
Does the booth have automatic fire suppression and explosion-proof lighting? trade.paint.boothControls one of: Yes; No; I'm not sure (only when it applies)
When spraying outdoors, do you use containment screens and stop in wind? trade.paint.overspray yes or no (only when it applies)
Do you pressure wash beyond prep for painting? trade.paint.pressureWashing yes or no (only when it applies)
How do you store and dispose of paint, solvents and rags? trade.paint.waste text (only when it applies)

Handyman work

What kind of work do you do? hm.work any of: Small repairs and maintenance; Painting; Drywall and trim; Doors, windows and locks; Fixtures (faucets, lights, fans); Decks and fences; Tile and flooring; Furniture and TV mounting; Pressure washing; Gutter cleaning; Other (only when it applies)
What other work? hm.workOther text (only when it applies)
Do you take jobs of $2,500 or more, or do any wiring, plumbing, air conditioning, roofing or structural work? hm.licensedTrades one of: Yes; No; I'm not sure (only when it applies) Florida exempts casual, minor or inconsequential jobs under $2,500 in total labor and materials, unless the job is part of a larger project or whoever does it advertises as a contractor. Electrical contracting has no dollar exemption.
Do you do any roof work? hm.roofing one of: None; Patching a leak while already on site; Roof repairs or replacements (only when it applies)
Do you work on new homes, additions, condos or apartments under construction? hm.newResidential yes or no (only when it applies)
Do any of these come up in your work? hm.hazards any of: Demolition beyond interior non-load-bearing walls; Retaining walls over 3 feet; Swimming pools or spas; Synthetic stucco (EIFS); Garage doors; Alarm or security systems; Gas lines or propane; Fire sprinklers; Foundations, waterproofing or chimneys; Digging more than 6 feet deep; None of these (only when it applies)
Do customers sign a written work order or contract before work starts? hm.contracts yes or no (only when it applies)
About how many jobs do you do in a year? hm.jobsPerYear number (jobs) (optional; only when it applies)
Do you buy properties to renovate and sell or rent? hm.flips yes or no (only when it applies)
Do you work under a contract with a property manager or real estate company? hm.propertyManagers yes or no (only when it applies)

Pressure washing

What do you clean? pw.surfaces any of: House siding, driveways and pool decks; Roofs (soft wash); Decks and fences; Commercial buildings and parking lots; Fleets or heavy equipment; Tank exteriors; Tank interiors; Boats, ship hulls or aircraft; Graffiti removal; Other (only when it applies)
What else? pw.surfacesOther text (only when it applies)
What is the highest pressure your equipment runs at? pw.pressure one of: Under 2,500 psi; 2,500 to 4,000 psi; Over 4,000 psi, or hot water (only when it applies) The rating on your pump or machine is fine.
How many gallons a minute does your biggest machine put out? pw.gpm number (gallons a minute) (optional; only when it applies)
What goes in the water? pw.chemicals any of: Water only; Soaps and detergents; Bleach (sodium hypochlorite) soft-wash mix; Degreasers or acids; Paint strippers or solvents (only when it applies)
How do you protect people and property on the job? pw.protection any of: Pre-wet and rinse plants; Cover outlets, windows and fixtures; Cones, signs or barriers; Check wind and weather before spraying; Capture or divert the runoff; None of these (only when it applies)
Do you keep wash water out of storm drains (reclaim, berms or diverting to landscaping)? pw.runoff one of: Yes; No; I'm not sure (only when it applies)
Do you also seal, stain or paint after washing? pw.sealing yes or no (only when it applies)
Do you wash vehicles, boats or equipment that belong to customers? pw.custody yes or no (only when it applies)
What are your rigs and equipment worth, roughly? pw.equipmentValue dollar amount (optional; only when it applies)

A few more details about the business

What type of entity is the business? business.entityType one of: LLC; Corporation; Sole proprietor; Partnership; Nonprofit
What is your FEIN? business.fein text (optional) Federal Employer Identification Number. Your agent needs it before a policy can start.
Does the business or its owner hold a contractor or professional license for this work? business.licensed yes or no
What is your license number? business.licenseNumber text (optional; only when it applies) A license number is public record, and your agent will check it with the state.
Has a licensing authority taken action against the business or its owner? business.licenseAction yes or no (only when it applies)
Do you let others use your license to get permits without your supervision on the job? business.licenseLending yes or no (only when it applies)
What year did the business start? business.yearStarted year
How many years has the owner worked in this field? business.ownerExperienceYears number (years) Count time working for others too. Enter 0 if it's new to them.

Owners and history

Owners and officers Up to four people who own the business or serve as its officers.
- Rows: Person 1; Person 2; Person 3; Person 4
- Columns: Name owners.N.name (text); Title owners.N.title (one of: Owner; President; Vice president; Secretary; Treasurer; Director; Chair; Chief executive officer; Chief financial officer; Managing member; Authorized member; Member; Manager; Partner; Authorized person; Other); Active Owner owners.N.active (yes or no)
Has the business operated or been licensed under another name in the past 10 years? business.priorNames yes or no
What were those names, and what did the business do under each? business.priorNamesDetails text (only when it applies)
Do you own other businesses that aren't part of this request? business.otherVentures yes or no
What are those businesses, and who insures them? business.otherVenturesDetails text (only when it applies)
Do you lease or rent equipment to others? business.leasesEquipment yes or no
Do you use casual laborers? business.casualLabor yes or no Include their pay in the payroll below.

Financials

Gross revenue Total sales or fees before expenses. An estimate is fine. Enter 0 for the last 12 months if the business is new.
- Rows: Last 12 months; Next 12 months (estimate)
- Columns: Gross revenue business.priorRevenue (dollar amount)
Employees Not counting owners. Enter 0 where there are none.
- Rows: Full time; Part time
- Columns: Number of employees business.fullTimeEmployees (number); Estimated annual payroll business.fullTimePayroll (dollar amount)
How many owners work in the business? business.activeOwners number (only when it applies)

What does the business have?

A few quick questions so we can suggest the right coverage. You'll see the suggestions next and can change them.

Where does the business operate? premises.ownership one of: In a building we own; In space we rent or lease; From my home; No fixed location
Does the business own equipment, inventory, tools or furniture worth insuring? needs.contents yes or no
Which vehicles are used for the business? needs.vehicles any of: Vehicles the business owns or leases; Employees or owners drive their own cars for work; None

How the business works

Do customers visit your location? ops.customersVisit yes or no
Do you work at customers’ homes, job sites or other places? ops.offsiteWork yes or no
Do you make or sell products? ops.products one of: No; We sell products made by others; We make, assemble or relabel products
Do clients rely on your professional advice, designs or specialized services? needs.advice yes or no For example, accounting, engineering, consulting, design, IT, real estate or health services, where a mistake could cost a client money.
Which of these does the business handle? needs.records any of: Customer, patient or employee records with private details; Credit or debit card payments; Online sales, bookings or accounts; None of these
Do customers, landlords or contracts require you to carry insurance? needs.contracts one of: Yes, they ask for a certificate of insurance; Yes, and some require more than $1 million in coverage; No; I'm not sure
Do you need a bond for a license, permit or contract? needs.bond yes or no
Do you have a building project to insure while it's under construction? needs.project yes or no (only when it applies)
Anything else to protect against? needs.other any of: Theft by employees, forged checks or fraudulent transfers; Nothing else (optional)

Who should we send your quotes to?

First name applicant.firstName text
Last name applicant.lastName text

Current insurance and claims

Do you have any of this insurance now? priorPolicy.hasCurrent yes or no
Your current policies (only when it applies) One row for each coverage you asked about. Choose No for one you don't have today.
- Rows: General Liability; Business Owner's Policy (BOP); Workers' Compensation; Commercial Auto; Trucking; Commercial Property; Professional Liability (E&O); Cyber; Commercial Umbrella; Builder's Risk; Crime and Employee Dishonesty; HOA or Condo Association; Flood
- Columns: Insured now prior.general_liability.insured (yes or no); Insurance company prior.general_liability.carrier (text); Renews on prior.general_liability.renews (date)
How many insurance claims in the last 5 years? business.claims5y one of: None; 1; 2; 3 or more Count claims on any business policy.

Check your answers

Every answer is listed for checking, with a link to change it. Sending it starts the quote: a licensed agent at the Lakeland office reviews the answers, compares insurance companies and sends the quotes to the email address given. Nothing is purchased or bound by sending the request.

Business Owner's Policy (BOP) (business)

Liability and property together

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=bop.

Your business liability

One set of questions covers general liability and cyber. Check the box if you'd also like an umbrella quote.

Subcontractors

Do you use subcontractors? ops.subcontractors yes or no (only when it applies)
What do you spend on subcontractors each year? ops.subcontractorCost dollar amount (only when it applies)
Do subcontractors give you certificates of insurance with limits that match or are higher than yours? ops.subcontractorCertificates one of: Yes, all of them, with limits that match or are higher than ours; Some of them; No (only when it applies)
Why we ask: Insurance companies price work by subcontractors who lack insurance, or carry lower limits than yours, as if your own employees did it.

Higher-risk work

Which higher-risk operations do you have? ops.hazards any of: Excavation, demolition or blasting; Serving or selling alcohol; Hazardous materials or waste; Hemp, CBD or cannabis products; Firearms or ammunition; None of these
Why we ask: Only some insurance companies cover this work, so it helps your agent send your request to the right ones.

Liability coverage

What liability limit do you want? gl.limit one of: $100,000; $250,000; $500,000; $1 million; $2 million; I'm not sure
Yes, I'm also interested in an umbrella policy, which adds liability coverage on top of the policy above. liab.umbrella a box to tick (optional)

Your building and property

If you rent, answer for the building your space is in. Then choose each kind of equipment and inventory the business has, and what it would cost to replace.

What would it cost to rebuild the building? premises.buildingValue dollar amount (optional; only when it applies) The rebuilding cost, not what it would sell for. Leave it blank and your agent will estimate it.
What are your tenant improvements worth? premises.improvementsValue dollar amount (optional; only when it applies) What you've spent improving the space you rent, such as built-in counters, flooring or lighting.
Are there other tenants in the building? premises.otherTenants yes or no (only when it applies)
How many square feet do you use? premises.squareFeet number (square feet) (optional)

The building

What is the building made of? building.construction one of: Concrete block or brick; Reinforced concrete or protected steel; Metal building; Wood frame; I'm not sure (only when it applies)
About what year was the building built? building.yearBuilt year (only when it applies)
How many stories is the building? building.stories number (stories) (only when it applies)
What year was the roof last replaced? building.roofYear year (optional; only when it applies)
Why we ask: Roof age is one of the biggest factors in Florida property insurance prices and eligibility.
Does the building have fire sprinklers? building.sprinklers one of: Yes; No; I'm not sure (only when it applies)
Does the building have an alarm monitored by an alarm company? building.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm (only when it applies)

Your equipment

Which equipment do you have? pei.equipment any of: Office furniture, computers and electronics; Machinery, shop equipment and tools; Restaurant and kitchen equipment; Medical, dental, salon or spa equipment; Contractors' tools that travel to job sites; Signs, fixtures and displays; Other equipment; None of these
About what would all your office and electronic equipment cost to replace? pei.equipment.office dollar amount (only when it applies)
About what would all your machinery and tools cost to replace? pei.equipment.machinery dollar amount (only when it applies)
About what would all your kitchen equipment cost to replace? pei.equipment.kitchen dollar amount (only when it applies)
About what would all your medical, dental or salon equipment cost to replace? pei.equipment.medical dollar amount (only when it applies)
About what would all your job-site tools cost to replace? pei.equipment.contractor dollar amount (only when it applies)
About what would all your signs and fixtures cost to replace? pei.equipment.signs dollar amount (only when it applies)
About what would all your other equipment cost to replace? pei.equipment.other dollar amount (only when it applies)

Your inventory

Which inventory do you carry? pei.inventory any of: Goods for sale; Raw materials and supplies; Finished products you made; Food, drink and perishables; Parts and spare stock; Other inventory; None of these
About what are all your goods for sale worth, at cost? pei.inventory.retail dollar amount (only when it applies)
About what are all your raw materials and supplies worth, at cost? pei.inventory.materials dollar amount (only when it applies)
About what are all your finished products worth, at cost? pei.inventory.finished dollar amount (only when it applies)
About what are all your food, drink and perishables worth, at cost? pei.inventory.food dollar amount (only when it applies)
About what are all your parts and spare stock worth, at cost? pei.inventory.parts dollar amount (only when it applies)
About what is all your other inventory worth, at cost? pei.inventory.other dollar amount (only when it applies)

General Liability (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=general_liability.

Your business liability

One set of questions covers general liability and cyber. Check the box if you'd also like an umbrella quote.

Subcontractors

Do you use subcontractors? ops.subcontractors yes or no (only when it applies)
What do you spend on subcontractors each year? ops.subcontractorCost dollar amount (only when it applies)
Do subcontractors give you certificates of insurance with limits that match or are higher than yours? ops.subcontractorCertificates one of: Yes, all of them, with limits that match or are higher than ours; Some of them; No (only when it applies)
Why we ask: Insurance companies price work by subcontractors who lack insurance, or carry lower limits than yours, as if your own employees did it.

Higher-risk work

Which higher-risk operations do you have? ops.hazards any of: Excavation, demolition or blasting; Serving or selling alcohol; Hazardous materials or waste; Hemp, CBD or cannabis products; Firearms or ammunition; None of these
Why we ask: Only some insurance companies cover this work, so it helps your agent send your request to the right ones.

Liability coverage

What liability limit do you want? gl.limit one of: $100,000; $250,000; $500,000; $1 million; $2 million; I'm not sure
Yes, I'm also interested in an umbrella policy, which adds liability coverage on top of the policy above. liab.umbrella a box to tick (optional)

Professional Liability (E&O) (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=professional.

Your business liability

One set of questions covers general liability and cyber. Check the box if you'd also like an umbrella quote.

Subcontractors

Do you use subcontractors? ops.subcontractors yes or no (only when it applies)
What do you spend on subcontractors each year? ops.subcontractorCost dollar amount (only when it applies)
Do subcontractors give you certificates of insurance with limits that match or are higher than yours? ops.subcontractorCertificates one of: Yes, all of them, with limits that match or are higher than ours; Some of them; No (only when it applies)
Why we ask: Insurance companies price work by subcontractors who lack insurance, or carry lower limits than yours, as if your own employees did it.

Higher-risk work

Which higher-risk operations do you have? ops.hazards any of: Excavation, demolition or blasting; Serving or selling alcohol; Hazardous materials or waste; Hemp, CBD or cannabis products; Firearms or ammunition; None of these
Why we ask: Only some insurance companies cover this work, so it helps your agent send your request to the right ones.
Yes, I'm also interested in an umbrella policy, which adds liability coverage on top of the policy above. liab.umbrella a box to tick (optional)

Cyber (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=cyber.

Your business liability

One set of questions covers general liability and cyber. Check the box if you'd also like an umbrella quote.

Subcontractors

Do you use subcontractors? ops.subcontractors yes or no (only when it applies)
What do you spend on subcontractors each year? ops.subcontractorCost dollar amount (only when it applies)
Do subcontractors give you certificates of insurance with limits that match or are higher than yours? ops.subcontractorCertificates one of: Yes, all of them, with limits that match or are higher than ours; Some of them; No (only when it applies)
Why we ask: Insurance companies price work by subcontractors who lack insurance, or carry lower limits than yours, as if your own employees did it.

Higher-risk work

Which higher-risk operations do you have? ops.hazards any of: Excavation, demolition or blasting; Serving or selling alcohol; Hazardous materials or waste; Hemp, CBD or cannabis products; Firearms or ammunition; None of these
Why we ask: Only some insurance companies cover this work, so it helps your agent send your request to the right ones.
Yes, I'm also interested in an umbrella policy, which adds liability coverage on top of the policy above. liab.umbrella a box to tick (optional)

Cyber exposure

How many private records do you keep? cyber.records one of: Fewer than 1,000; 1,000 to 10,000; 10,000 to 100,000; More than 100,000 Customers', patients' or employees' ID numbers, card or bank details, health information or passwords.
Do you accept credit or debit cards? cyber.takesCards yes or no
Which security controls do you use? cyber.controls any of: A second sign-in step (like a code sent to a phone) for email and remote access; Backups kept offline or apart from the main network; Security software on every computer; Training employees to spot scam emails; None of these, or I'm not sure
Why we ask: Cyber insurance companies require some of these, and each one can lower the price.
Have you had a data breach, ransomware or a payment scam in the last 3 years? cyber.incidents3y yes or no

Commercial Umbrella (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=commercial_umbrella.

Your business liability

One set of questions covers general liability and cyber. Check the box if you'd also like an umbrella quote.

Subcontractors

Do you use subcontractors? ops.subcontractors yes or no (only when it applies)
What do you spend on subcontractors each year? ops.subcontractorCost dollar amount (only when it applies)
Do subcontractors give you certificates of insurance with limits that match or are higher than yours? ops.subcontractorCertificates one of: Yes, all of them, with limits that match or are higher than ours; Some of them; No (only when it applies)
Why we ask: Insurance companies price work by subcontractors who lack insurance, or carry lower limits than yours, as if your own employees did it.

Higher-risk work

Which higher-risk operations do you have? ops.hazards any of: Excavation, demolition or blasting; Serving or selling alcohol; Hazardous materials or waste; Hemp, CBD or cannabis products; Firearms or ammunition; None of these
Why we ask: Only some insurance companies cover this work, so it helps your agent send your request to the right ones.
Yes, I'm also interested in an umbrella policy, which adds liability coverage on top of the policy above. liab.umbrella a box to tick (optional)

Commercial Property (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=commercial_property.

Your building and property

If you rent, answer for the building your space is in. Then choose each kind of equipment and inventory the business has, and what it would cost to replace.

What would it cost to rebuild the building? premises.buildingValue dollar amount (optional; only when it applies) The rebuilding cost, not what it would sell for. Leave it blank and your agent will estimate it.
What are your tenant improvements worth? premises.improvementsValue dollar amount (optional; only when it applies) What you've spent improving the space you rent, such as built-in counters, flooring or lighting.
Are there other tenants in the building? premises.otherTenants yes or no (only when it applies)
How many square feet do you use? premises.squareFeet number (square feet) (optional)

The building

What is the building made of? building.construction one of: Concrete block or brick; Reinforced concrete or protected steel; Metal building; Wood frame; I'm not sure (only when it applies)
About what year was the building built? building.yearBuilt year (only when it applies)
How many stories is the building? building.stories number (stories) (only when it applies)
What year was the roof last replaced? building.roofYear year (optional; only when it applies)
Why we ask: Roof age is one of the biggest factors in Florida property insurance prices and eligibility.
Does the building have fire sprinklers? building.sprinklers one of: Yes; No; I'm not sure (only when it applies)
Does the building have an alarm monitored by an alarm company? building.alarm one of: Burglar and fire; Burglar only; Fire only; No monitored alarm (only when it applies)

Your equipment

Which equipment do you have? pei.equipment any of: Office furniture, computers and electronics; Machinery, shop equipment and tools; Restaurant and kitchen equipment; Medical, dental, salon or spa equipment; Contractors' tools that travel to job sites; Signs, fixtures and displays; Other equipment; None of these
About what would all your office and electronic equipment cost to replace? pei.equipment.office dollar amount (only when it applies)
About what would all your machinery and tools cost to replace? pei.equipment.machinery dollar amount (only when it applies)
About what would all your kitchen equipment cost to replace? pei.equipment.kitchen dollar amount (only when it applies)
About what would all your medical, dental or salon equipment cost to replace? pei.equipment.medical dollar amount (only when it applies)
About what would all your job-site tools cost to replace? pei.equipment.contractor dollar amount (only when it applies)
About what would all your signs and fixtures cost to replace? pei.equipment.signs dollar amount (only when it applies)
About what would all your other equipment cost to replace? pei.equipment.other dollar amount (only when it applies)

Your inventory

Which inventory do you carry? pei.inventory any of: Goods for sale; Raw materials and supplies; Finished products you made; Food, drink and perishables; Parts and spare stock; Other inventory; None of these
About what are all your goods for sale worth, at cost? pei.inventory.retail dollar amount (only when it applies)
About what are all your raw materials and supplies worth, at cost? pei.inventory.materials dollar amount (only when it applies)
About what are all your finished products worth, at cost? pei.inventory.finished dollar amount (only when it applies)
About what are all your food, drink and perishables worth, at cost? pei.inventory.food dollar amount (only when it applies)
About what are all your parts and spare stock worth, at cost? pei.inventory.parts dollar amount (only when it applies)
About what is all your other inventory worth, at cost? pei.inventory.other dollar amount (only when it applies)

Flood (business)

NFIP or private flood for the building and contents

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=commercial_flood.

Flood coverage

Business property policies don't cover flood; a separate NFIP or private flood policy does. Your agent compares both.

How much building coverage do you want? cflood.buildingCoverage dollar amount (optional; only when it applies) Leave it blank and your agent will suggest an amount.
How much coverage for equipment, inventory and improvements? cflood.contentsCoverage dollar amount (optional)
What does the building sit on? cflood.foundation one of: A concrete slab on the ground; A crawlspace; Raised on piers, posts or pilings; A basement; I'm not sure
Do you have an elevation certificate? cflood.elevationCertificate one of: Yes; No; I'm not sure A surveyor's form showing how high the building sits. It can lower the price.

Builder's Risk (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=builders_risk.

Tell us about the construction project

What kind of project is it? builders.projectType one of: New construction; A renovation or addition
Who are you in this project? builders.role one of: The property owner; The general contractor
What is being built? builders.buildingType one of: A single-family home; Apartments, townhomes or condos; A commercial building; Something else
Is the project at your address? builders.atAddress yes or no
What is the project address? builders.projectAddress text (only when it applies)
What will it be made of? builders.construction one of: Concrete block or brick; Reinforced concrete or protected steel; Metal building; Wood frame; I'm not sure
How many stories? builders.stories number (stories)
What will the completed project cost? builders.completedValue dollar amount Materials and labor for the whole project. Don't include the land.
What is the existing building worth? builders.existingValue dollar amount (optional; only when it applies)
When does construction start? builders.startDate date If it has already started, enter the start date.
How many months will construction take? builders.months number (months)

HOA or Condo Association (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=hoa.

Tell us about the association

What is the association's name? assoc.name text
What kind of association is it? assoc.type one of: Condominium association; Homeowners association (HOA); Another kind of association
How many units or homes are there? assoc.units number
How many buildings need coverage? assoc.buildings number How many buildings the association insures. Enter 0 if it insures only common areas, like a pool or a clubhouse's contents.
How many stories is the tallest building? assoc.stories number (stories) (only when it applies)
About what year was the oldest building built? assoc.yearBuilt year (only when it applies)
What are the buildings made of? assoc.construction one of: Concrete block or brick; Reinforced concrete or protected steel; Metal building; Wood frame; I'm not sure (only when it applies)
Has a milestone inspection been done? assoc.milestoneInspection one of: Yes, it's done; Not yet; It isn't due yet for our buildings; I'm not sure (only when it applies) Florida requires it for condominium and cooperative buildings three or more stories tall (F.S. 553.899).
Why we ask: Insurance companies ask for it when they review condominium buildings.
Has a structural reserve study been done? assoc.reserveStudy one of: Yes, it's done; Not yet; I'm not sure (only when it applies) Florida requires it for condominium buildings three or more stories tall (F.S. 718.112).
What year was the oldest roof last replaced? assoc.roofYear year (optional; only when it applies)
Why we ask: Roof age is one of the biggest factors in Florida property insurance prices and eligibility.
What amenities does the community have? assoc.amenities any of: Swimming pool; Clubhouse; Fitness room; Playground; Docks, a marina or a boat ramp; Lakes or retention ponds; Gated entry or security staff; None of these
Who manages the association? assoc.management one of: A management company; The board manages it
Do you want directors and officers coverage? assoc.directorsAndOfficers one of: Yes; No; I'm not sure It covers board members against claims over their decisions.
What is the annual association budget? assoc.annualBudget dollar amount (optional) It helps price board and crime coverage.

Commercial Auto (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=commercial_auto.

Your USDOT number

If the business has one, we use FMCSA's public record to fill in its name, address, fleet, authority and cargo. You'll check each answer before anything is sent.

Do you have a number issued by the USDOT? cauto.hasUsdot one of: Yes; No, not yet; No A USDOT number identifies your business with the Federal Motor Carrier Safety Administration. It's on the side of the truck and on your registration.
Why we ask: With it, we fill in what FMCSA has on file about your business, so you only have to check it.
What is your USDOT number? cauto.usdotNumber text (only when it applies) We'll fill in what FMCSA has on file for it; you can change anything that's wrong.

Vehicles

Cars, pickups, vans, box trucks, semis, trailers and more, up to 6 here. Your agent adds any others.

Vehicles: one column per vehicle, up to 6. Each column asks:
- VIN cvehicles.N.vin VIN (vehicle identification number) (optional) On the registration or insurance card. Fills in the year, make and model.
- Year cvehicles.N.year year
- Make cvehicles.N.make text
- Model cvehicles.N.model text
- Type of vehicle cvehicles.N.type one of: Car or SUV; Pickup truck; Van; Box truck or straight truck; Semi tractor; Trailer; Dump truck; Tow truck or wrecker; Bus or shuttle; Something else
- Gross vehicle weight cvehicles.N.weight one of: 10,000 pounds or less; 10,001 to 20,000 pounds; 20,001 to 45,000 pounds; More than 45,000 pounds; I'm not sure (only when it applies) Fully loaded (GVWR), on the sticker inside the driver's door.
- Primary use cvehicles.N.use one of: Sales or service calls; Deliveries; Hauling cargo for others; Carrying passengers; Employee commuting; Something else
- Radius from its base cvehicles.N.radius one of: Within 50 miles; 50 to 200 miles; More than 200 miles
- Owned, financed or leased cvehicles.N.ownership one of: Owned outright; Financed; Leased
- Coverage for damage to it cvehicles.N.physicalDamage one of: Yes; No, liability only; I'm not sure Comprehensive and collision. Lenders and leasing companies require it.
- Estimated market value cvehicles.N.value dollar amount (optional; only when it applies) With any equipment on it.
- Kept overnight at the business address cvehicles.N.garagedAtAddress yes or no
- Garaging ZIP code (when the answer above calls for it) cvehicles.N.garagingZip ZIP code (only when it applies)
Do employees use their own vehicles for work, such as errands or client visits? cauto.employeesOwnCars yes or no
Why we ask: The business can be sued over those trips too. Coverage for them is inexpensive to add.
Do you haul goods or people for others, for pay? cauto.forHire yes or no
Why we ask: For-hire hauling needs different coverage and can need federal or state filings.

Trucking

What cargo do you haul? truck.cargo text (only when it applies) For example, general freight, produce, building materials or cars.
Why we ask: Cargo coverage and the price depend on what's on the truck.
Where do the trucks run? truck.interstate one of: Only in Florida; In Florida and other states (only when it applies)
Whose operating authority do the trucks run under? truck.authority one of: Our own authority; Leased on to another carrier; We're applying for authority now (only when it applies)
What is your MC number? truck.mcNumber text (optional; only when it applies)
Which motor carrier are you leased to? hot.leasedTo text (only when it applies)
Their USDOT number, if you know it hot.leasedToDot text (optional; only when it applies)
What kind of lease is it? hot.leaseType one of: A permanent lease; Trip leases; Both (only when it applies)
Under dispatch, whose policy covers liability? hot.primaryLiability one of: The motor carrier's; This policy; I'm not sure (only when it applies)
Do you have a written lease agreement? hot.leaseWritten yes or no (only when it applies) The agent asks for a copy before a quote is final.
What do you need covered? hot.leasedNeeds any of: Non-trucking (bobtail) liability; Physical damage on the truck and trailer; Trailer interchange; Cargo; Occupational accident (only when it applies) The motor carrier's policy usually covers liability while the truck is under dispatch; this policy covers the rest.
Will the policy need an insurance filing (MCS-90, BMC-91, Form E or Form H)? hot.filings one of: Yes; No; I'm not sure (only when it applies)

Your loads and routes

How many years has the main driver held a CDL? hot.cdlYears number (years) (only when it applies)
What do you pull? hot.trailers any of: A gooseneck or hotshot trailer; A flatbed or step deck; A dry van; A reefer; A car hauler; A dump or end dump; A tanker; The motor carrier's trailers (only when it applies)
What's the most valuable load on one trip? hot.cargoMaxValue dollar amount (only when it applies) The value of the freight, not the truck.
Do any loads need a hazardous materials placard? hot.hazmat one of: No; Yes, a few; Yes, most loads (only when it applies)
What placarded materials? hot.hazmatWhat text (only when it applies)
Do you haul oversize or overweight loads under a permit? hot.oversize yes or no (only when it applies)
Do you haul electronics, pharmaceuticals, liquor, tobacco, meat or seafood, or copper and other metals? hot.target yes or no (only when it applies)
Why we ask: Cargo coverage often limits or excludes loads thieves go after.
How far is the longest regular one-way trip? hot.longestTrip number (miles) (only when it applies)
Which big cities do you drive into regularly? hot.metros any of: Miami and Fort Lauderdale; Tampa Bay; Orlando; Jacksonville; Atlanta; Other cities of a million or more outside Florida; None regularly (only when it applies)

Safety

Do you pull a motor vehicle record on every driver before they start, and at least once a year? hot.mvrs yes or no (only when it applies)
Do you keep maintenance records and do pre-trip and post-trip inspections? hot.maintenance yes or no (only when it applies)
Is a loaded truck ever left unattended overnight outside a fenced yard? hot.unattended yes or no (only when it applies)
Which of these do you run? hot.tech any of: An electronic logging device; A dash camera; GPS tracking; None of these (optional; only when it applies)

Drivers

Everyone who drives for the business, up to 6 here. Your agent adds any others.

Drivers: one column per driver, up to 6. Each column asks:
- First name cdrivers.N.firstName text
- Last name cdrivers.N.lastName text
- Date of birth cdrivers.N.dateOfBirth date
- Role cdrivers.N.role one of: Owner; Employee; Family member; Someone else
- License state cdrivers.N.licenseState state
- Driver's license number cdrivers.N.licenseNumber text (optional) Leave it blank and your agent will ask for it later.
- CDL cdrivers.N.cdl yes or no
- Accidents or tickets in the last 3 years cdrivers.N.incidents one of: None; 1; 2; 3 or more

Trucking (business)

Motor carriers, owner-operators and for-hire hauling

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=trucking.

Your USDOT number

If the business has one, we use FMCSA's public record to fill in its name, address, fleet, authority and cargo. You'll check each answer before anything is sent.

Do you have a number issued by the USDOT? cauto.hasUsdot one of: Yes; No, not yet; No A USDOT number identifies your business with the Federal Motor Carrier Safety Administration. It's on the side of the truck and on your registration.
Why we ask: With it, we fill in what FMCSA has on file about your business, so you only have to check it.
What is your USDOT number? cauto.usdotNumber text (only when it applies) We'll fill in what FMCSA has on file for it; you can change anything that's wrong.

Vehicles

Cars, pickups, vans, box trucks, semis, trailers and more, up to 6 here. Your agent adds any others.

Vehicles: one column per vehicle, up to 6. Each column asks:
- VIN cvehicles.N.vin VIN (vehicle identification number) (optional) On the registration or insurance card. Fills in the year, make and model.
- Year cvehicles.N.year year
- Make cvehicles.N.make text
- Model cvehicles.N.model text
- Type of vehicle cvehicles.N.type one of: Car or SUV; Pickup truck; Van; Box truck or straight truck; Semi tractor; Trailer; Dump truck; Tow truck or wrecker; Bus or shuttle; Something else
- Gross vehicle weight cvehicles.N.weight one of: 10,000 pounds or less; 10,001 to 20,000 pounds; 20,001 to 45,000 pounds; More than 45,000 pounds; I'm not sure (only when it applies) Fully loaded (GVWR), on the sticker inside the driver's door.
- Primary use cvehicles.N.use one of: Sales or service calls; Deliveries; Hauling cargo for others; Carrying passengers; Employee commuting; Something else
- Radius from its base cvehicles.N.radius one of: Within 50 miles; 50 to 200 miles; More than 200 miles
- Owned, financed or leased cvehicles.N.ownership one of: Owned outright; Financed; Leased
- Coverage for damage to it cvehicles.N.physicalDamage one of: Yes; No, liability only; I'm not sure Comprehensive and collision. Lenders and leasing companies require it.
- Estimated market value cvehicles.N.value dollar amount (optional; only when it applies) With any equipment on it.
- Kept overnight at the business address cvehicles.N.garagedAtAddress yes or no
- Garaging ZIP code (when the answer above calls for it) cvehicles.N.garagingZip ZIP code (only when it applies)
Do employees use their own vehicles for work, such as errands or client visits? cauto.employeesOwnCars yes or no
Why we ask: The business can be sued over those trips too. Coverage for them is inexpensive to add.

Trucking

What cargo do you haul? truck.cargo text For example, general freight, produce, building materials or cars.
Why we ask: Cargo coverage and the price depend on what's on the truck.
Where do the trucks run? truck.interstate one of: Only in Florida; In Florida and other states
Whose operating authority do the trucks run under? truck.authority one of: Our own authority; Leased on to another carrier; We're applying for authority now
What is your MC number? truck.mcNumber text (optional)
Which motor carrier are you leased to? hot.leasedTo text (only when it applies)
Their USDOT number, if you know it hot.leasedToDot text (optional; only when it applies)
What kind of lease is it? hot.leaseType one of: A permanent lease; Trip leases; Both (only when it applies)
Under dispatch, whose policy covers liability? hot.primaryLiability one of: The motor carrier's; This policy; I'm not sure (only when it applies)
Do you have a written lease agreement? hot.leaseWritten yes or no (only when it applies) The agent asks for a copy before a quote is final.
What do you need covered? hot.leasedNeeds any of: Non-trucking (bobtail) liability; Physical damage on the truck and trailer; Trailer interchange; Cargo; Occupational accident (only when it applies) The motor carrier's policy usually covers liability while the truck is under dispatch; this policy covers the rest.
Will the policy need an insurance filing (MCS-90, BMC-91, Form E or Form H)? hot.filings one of: Yes; No; I'm not sure (only when it applies)

Your loads and routes

How many years has the main driver held a CDL? hot.cdlYears number (years) (only when it applies)
What do you pull? hot.trailers any of: A gooseneck or hotshot trailer; A flatbed or step deck; A dry van; A reefer; A car hauler; A dump or end dump; A tanker; The motor carrier's trailers (only when it applies)
What's the most valuable load on one trip? hot.cargoMaxValue dollar amount (only when it applies) The value of the freight, not the truck.
Do any loads need a hazardous materials placard? hot.hazmat one of: No; Yes, a few; Yes, most loads (only when it applies)
What placarded materials? hot.hazmatWhat text (only when it applies)
Do you haul oversize or overweight loads under a permit? hot.oversize yes or no (only when it applies)
Do you haul electronics, pharmaceuticals, liquor, tobacco, meat or seafood, or copper and other metals? hot.target yes or no (only when it applies)
Why we ask: Cargo coverage often limits or excludes loads thieves go after.
How far is the longest regular one-way trip? hot.longestTrip number (miles) (only when it applies)
Which big cities do you drive into regularly? hot.metros any of: Miami and Fort Lauderdale; Tampa Bay; Orlando; Jacksonville; Atlanta; Other cities of a million or more outside Florida; None regularly (only when it applies)

Safety

Do you pull a motor vehicle record on every driver before they start, and at least once a year? hot.mvrs yes or no (only when it applies)
Do you keep maintenance records and do pre-trip and post-trip inspections? hot.maintenance yes or no (only when it applies)
Is a loaded truck ever left unattended overnight outside a fenced yard? hot.unattended yes or no (only when it applies)
Which of these do you run? hot.tech any of: An electronic logging device; A dash camera; GPS tracking; None of these (optional; only when it applies)

Drivers

Everyone who drives for the business, up to 6 here. Your agent adds any others.

Drivers: one column per driver, up to 6. Each column asks:
- First name cdrivers.N.firstName text
- Last name cdrivers.N.lastName text
- Date of birth cdrivers.N.dateOfBirth date
- Role cdrivers.N.role one of: Owner; Employee; Family member; Someone else
- License state cdrivers.N.licenseState state
- Driver's license number cdrivers.N.licenseNumber text (optional) Leave it blank and your agent will ask for it later.
- CDL cdrivers.N.cdl yes or no
- Accidents or tickets in the last 3 years cdrivers.N.incidents one of: None; 1; 2; 3 or more

Workers' Compensation (business)

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=workers_comp.

Employees and payroll

How much of the payroll is clerical? wc.clericalPayroll dollar amount (optional) The part of the payroll on the business page for employees who only do office work. Office work costs much less to cover.
What do your employees do? wc.duties text For example: "Two installers hang drywall. One estimator visits job sites."
Do you do construction work? wc.construction yes or no
Why we ask: Florida's rules on who must carry workers' comp are stricter for construction businesses.
Are the owners covered? wc.ownersCovered one of: Yes; No, the owners have or will file an exemption; I'm not sure In Florida, corporate officers and LLC members can file for an exemption with the state's Division of Workers' Compensation. Your agent will explain whether that fits you.
Do you pay subcontractors or 1099 workers? wc.usesSubcontractors yes or no
Do subcontractors have their own workers' comp or a state exemption? wc.subcontractorsCovered one of: Yes, all of them; Some of them; No; I'm not sure (only when it applies)
Why we ask: If they don't, what you pay them is usually added to your policy when it's audited.
What is your experience modification factor? wc.experienceMod text (optional) It's on your current workers' comp policy, like 0.95. Most small businesses don't have one.

Crime and Employee Dishonesty (business)

Theft, forgery and fraud, including by employees

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=crime.

Crime and employee dishonesty

What do you want covered? crime.coverages any of: Theft by employees; Forged or altered checks; Computer and funds transfer fraud; Money and securities; Theft from clients by employees; I'm not sure
How many employees handle money, sign checks or approve payments? crime.moneyHandlers number
Does someone other than the person who writes checks reconcile the bank statements? crime.controls yes or no
Why we ask: Separating those duties is the main thing insurers look for, and it can lower the price.
How much coverage do you want? crime.limit dollar amount (optional)
Have you had theft or fraud losses in the last 5 years? crime.losses5y yes or no

Surety or Fidelity Bond (business)

Notary, contract, court and fidelity bonds

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=bonds.

Tell us about the bond

What type of bond do you need? bond.type one of: Notary bond; License or permit bond; Bid, performance or payment bond; Court or probate bond; Employee dishonesty (fidelity) bond; Something else
What license or permit needs a bond? lbond.license text (only when it applies) For example, a contractor, auto dealer, mortgage broker or alcohol license.
Who requires the bond? bond.obligee text (only when it applies) Usually a state agency, county, city, court or project owner.
What is the bond amount? bond.amount dollar amount (optional) Florida notary bonds are $7,500.
What is the contract amount? bond.contractAmount dollar amount (only when it applies)
What else should we know about the bond? bond.details text (optional) For example, the license number or the project name.

License Bond (business)

Required for a contractor, dealer or other license

Asked after the pages every business request answers. Start at https://www.magnusonins.com/quote?lines=license_bond.

Tell us about the bond

What type of bond do you need? bond.type one of: Notary bond; License or permit bond; Bid, performance or payment bond; Court or probate bond; Employee dishonesty (fidelity) bond; Something else
What license or permit needs a bond? lbond.license text (only when it applies) For example, a contractor, auto dealer, mortgage broker or alcohol license.
Who requires the bond? bond.obligee text (only when it applies) Usually a state agency, county, city, court or project owner.
What is the bond amount? bond.amount dollar amount (optional) Florida notary bonds are $7,500.
What is the contract amount? bond.contractAmount dollar amount (only when it applies)
What else should we know about the bond? bond.details text (optional) For example, the license number or the project name.

Frequently asked questions

Does sending the quote request buy insurance?

No. A quote request does not bind, change or cancel coverage. A licensed Magnuson Insurance agent reviews the answers, compares insurance companies and sends the quotes; a policy starts only when the customer accepts one and the insurance company issues it.

Can an AI assistant or a family member fill in the quote request for someone else?

Yes, with that person's knowledge. The email address and mobile number on the start page are the contact's, the person filling it in, and the quotes go to that email. The texting checkbox is the customer's own choice. An agent confirms the details with the customer by phone or email before quoting.

What documents make a Florida insurance quote faster?

The current policy's declarations page for any line, the 4-point and wind mitigation inspection reports for a home, auto insurance ID cards for vehicles, and for a business its current declarations pages or certificates and loss runs. They can be uploaded on the second page of the request, and the answers they show are filled in for the customer to check.

Does the quote request ask for a Social Security number?

No. The request never asks for a Social Security number, a bank or card number, or a password. It asks for dates of birth, addresses and vehicle identification numbers because insurance companies price on them, and a driver's license number is optional. An insurance company may ask for more before a policy is issued.

About this page

Generated from the quote request's own question list on every load, so it matches the live request. Magnuson Insurance is an independent insurance agency in Lakeland, Florida (agency license L104700) serving the whole state. Insurance companies make their own underwriting and pricing decisions, and may ask for more before a policy is issued. A quote request is not an application for coverage and does not bind, change or cancel a policy.

Start a quote request