# What Magnuson Insurance asks 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. Question set version 2026.1-c6749726ef26. HTML version: https://www.magnusonins.com/quote/what-we-ask. Start a request: https://www.magnusonins.com/quote. ## 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. ```json { "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. ## Personal insurance Lines: Homeowners; Condo; Renters; Landlord or Rental Home; Mobile or Manufactured Home; Flood; Auto; Motorcycle, RV or ATV; Boat; Life; Dental or Vision; Umbrella; Jewelry and Collectibles; Pet. ## 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. Lines: Business Owner's Policy (BOP); General Liability; Professional Liability (E&O); Cyber; Commercial Umbrella; Commercial Property; Flood; Builder's Risk; HOA or Condo Association; Commercial Auto; Trucking; Workers' Compensation; Crime and Employee Dishonesty; Surety or Fidelity Bond; License Bond. ## 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.