> ## Documentation Index
> Fetch the complete documentation index at: https://docs.insurestack.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Quoting

> Automate quote generation across 30+ insurance carriers

## What is Quoting?

The **Quoting** module is the industry's most comprehensive commercial lines comparative rater. Upload your documents and get quotes across multiple carriers in minutes with zero manual data entry - InsureStack handles the entire workflow automatically.

## Supported Lines of Business

InsureStack integrates with 30+ carriers across:

* **Commercial Auto** - Business vehicle coverage
* **BOP** (Business Owners' Policy) - Combined property and liability
* **WC** (Workers' Compensation) - Employee injury coverage
* **GL** (General Liability) - Business liability protection
* **Trucking** - Commercial trucking insurance
* **Professional Liability** - E\&O and professional coverage

<Tip>
  Enterprise clients can request additional carriers to be prioritized for integration.
</Tip>

## How to Generate Quotes

<Steps>
  <Step title="Upload Any Document">
    1. Navigate to **Quoting** from the sidebar

    2. Select **LOB** (Line of Business):
       * Commercial Auto
       * BOP (Business Owners' Policy)
       * WC (Workers' Compensation)
       * GL (General Liability)
       * Trucking
       * Professional Liability

    3. Select **Insurance Carrier** for this LOB

    4. **Upload documents** - ACORDs, intake forms, supplementals, or previous policies

    5. **Provide Customer Name**

    6. Click **"Parse Documents"** and wait for AI to extract data

    7. **Verify** how the information was mapped to carrier form fields

    8. Click **"Start Quote"**

    <Note>
      AI automatically scans your documents and extracts information, mapping it to carrier form fields. Review this mapping to ensure accuracy before starting the quote.
    </Note>
  </Step>

  <Step title="AI Scans & Quotes">
    InsureStack automatically processes your quote:

    * **Created** - Quote request has been created
    * **Queued** - Waiting to start processing
    * **Running** - AI is filling out carrier forms automatically
    * **Completed** - Quote successfully generated

    <Tip>
      You can navigate away while quotes generate in parallel. Check the Dashboard's Recent Activity to monitor progress.
    </Tip>
  </Step>

  <Step title="Review & Bind">
    Once completed, review quotes in the carrier portal:

    * View **premium amounts** and coverage details
    * **Download quote PDFs** directly
    * **Bind and pay** through the carrier portal
    * **Compare quotes** across multiple carriers
  </Step>
</Steps>

## Understanding Quote Statuses

<AccordionGroup>
  <Accordion icon="spinner" title="Running">
    AI is automatically filling out the carrier form. This typically takes 3-10 minutes depending on form complexity.
  </Accordion>

  <Accordion icon="check" title="Completed">
    Quote successfully generated. Review premium, coverage details, and binding options in the carrier portal. You can download the quote PDF.
  </Accordion>

  <Accordion icon="ban" title="Declined">
    Carrier declined to quote based on risk appetite or underwriting guidelines. Check the decline reason and try a different carrier.
  </Accordion>

  <Accordion icon="xmark" title="Failed">
    Technical error occurred during quote generation. This could be due to carrier website changes, missing required information, or connectivity issues. Contact support if failures persist.
  </Accordion>
</AccordionGroup>

## Viewing Your Quotes

The quote list displays all your quote requests with key details:

### Quote Card Information

Each quote shows:

* **Customer name** - Who the quote is for
* **Carrier** - Which insurance company
* **Premium** - Quote amount (displayed when completed)
* **Status** - Current state (Running, Completed, Declined, Failed)
* **Created date** - When the quote was requested
* **LOB** - Line of business

## Tips for Successful Quoting

<AccordionGroup>
  <Accordion icon="file-check" title="Provide complete information">
    The more complete your uploaded documents, the better.
  </Accordion>

  <Accordion icon="eye" title="Verify field mapping">
    After document parsing, review how information was mapped to carrier fields. Correct any errors before starting the quote.
  </Accordion>

  <Accordion icon="layer-group" title="Batch multiple quotes">
    Request quotes from multiple carriers at once to save time. InsureStack processes them in parallel.
  </Accordion>

  <Accordion icon="building" title="Know carrier appetites">
    Not all carriers quote all risks. Check carrier guidelines to avoid declined quotes and wasted credits.
  </Accordion>

  <Accordion icon="file-pdf" title="Keep documents organized">
    Use clear filenames and organize documents by client and LOB for easier retrieval and reuse.
  </Accordion>
</AccordionGroup>

## Common Issues and Solutions

<AccordionGroup>
  <Accordion icon="circle-question" title="Quote declined - what does this mean?">
    The carrier has declined to quote based on their underwriting guidelines. Common reasons:

    * Risk outside carrier's appetite
    * Missing required information
    * Loss history exceeds thresholds
    * Business type not covered

    **Solution:** Review the decline reason, address any issues, and try a different carrier.
  </Accordion>

  <Accordion icon="circle-question" title="Quote failed - what should I do?">
    Technical errors can occur due to:

    * Carrier website changes
    * Missing critical form fields
    * Connectivity issues

    **Solution:**

    1. Review your uploaded documents for completeness
    2. Retry the quote
    3. If failures persist, contact support with the quote ID
  </Accordion>

  <Accordion icon="circle-question" title="Why is my quote taking so long?">
    Most quotes complete in 5-15 minutes. Longer processing times may indicate:

    * Complex risk requiring extensive form filling
    * Carrier website slowness
    * Additional information required

    **Solution:** Check the Recent Activity on your Dashboard. If status remains "Running" for 30+ minutes, contact support.
  </Accordion>
</AccordionGroup>

## Credit Usage

Quote generation consumes credits based on:

* Carrier selected
* Line of business
* Form complexity

<Note>
  Credits are only consumed when the quote reaches a final state (completed, failed, or declined). Quotes that are terminated mid-process do not consume credits.
</Note>

Learn more about [credit costs](/billing/overview) and [subscription plans](/billing/plans).

## What Happens After Quoting?

Once you have quotes:

1. **Review in carrier portal** - View premiums, coverage, and terms across all quotes
2. **Bind and pay directly** - Complete binding and payment through the carrier portal
3. **Upload bound policy** - After binding, upload the policy to InsureStack for analysis
4. **Generate proposals** - Use the [Policy Comparison](/features/policies-advanced) tools to create client proposals

## Next Steps

<CardGroup cols={2}>
  <Card title="Compare Policies" icon="shield-check" href="/features/policies-overview">
    Upload and compare carrier policies
  </Card>

  <Card title="Create Proposals" icon="file-contract" href="/features/policies-advanced">
    Generate professional proposal documents
  </Card>

  <Card title="Track Commissions" icon="chart-line" href="/features/commissions">
    Monitor commission statements after binding
  </Card>

  <Card title="View Billing" icon="credit-card" href="/billing/overview">
    Check your credit usage and balance
  </Card>
</CardGroup>