--- title: "CRM for insurance agencies: from quote request to bound policy and renewal · TalaLevel" description: "TalaLevel runs an agency's whole process: quote requests answered by text, dec pages and loss runs collected and read, the risk flagged and placed, ACORD forms prefilled, quotes side by side, commission and the X-date kept. Set up for you by a TalaLevel representative." url: https://talalevel.com/for/insurance-agencies/ --- Insurance agencies # From quote request to bound policy, on one lead. TalaLevel answers the quote request, asks what an underwriter asks, collects the dec pages and loss runs, flags what a carrier would stop on and keeps the policy through to the X-date. Set up for you. [Start your 7-day trial](https://app.talalevel.com/signup?plan=pro&interval=month) [See pricing](https://talalevel.com/pricing/) No seat minimum · No demo call · Cancel anytime The whole process ## Ten stages, from quote request to renewal. This is how a commercial quote moves through TalaLevel. Each step says who does it. Stages marked “Set up for you” are configured in your workspace by a TalaLevel representative: your document reader, your carriers' appetite, your forms. You don't build anything. Runs today *works the day you sign up* Set up for you *a TalaLevel representative sets it up in your workspace* 1. The prospect #### Replies, calls or fills in a form Your quote form, a call in, a list you import, or a lead vendor sending them through the API. 2. TalaLevel #### Finds their lead A text or a call is matched to the lead by its number, so the reply lands where the rep expects it. 3. TalaLevel #### Cleans the list before a text is spent Opted-out numbers, landlines and numbers that can't take a text are dropped from a batch before it sends. Checked here - Opt-outs, by the number that said stop - Landlines and numbers that can't take a text - Quiet hours for batches 1. TalaLevel #### Files the reply and tells the team The text lands on the lead, and the reps' phones get a push. 2. TalaLevel #### Reads it and sets the status Interested, not interested or call later, from what they actually wrote. 3. Tala #### Answers, if you switched her on Tala replies in your words, from your own numbers, and keeps the conversation going until a person takes it. Checked here - Quiet hours in their time zone - Your numbers' carrier registration - The day's carrier limit on each number 1. Tala #### Asks what an underwriter asks Who insures them now, when the policy renews, what it covers, any claims in the last few years, and the size of the business: vehicles, payroll or revenue. 2. Tala #### Asks for the documents Once it's worth quoting, the current declarations pages and the loss runs, by text or by email. 3. Joey #### Or Joey asks on the call If Joey, the AI caller, reaches them, he asks the same questions on the phone. 4. Your rep #### Takes over when it matters A claim dispute, a lawyer or an angry reply hands the lead to a person at once, with a push. Checked here - Hand-over words: claim dispute, legal, angry - One question at a time, never a form by text - Quiet hours in their time zone 1. The prospect #### Sends what they have Dec pages, loss runs, a driver list, payroll by class code or a property schedule, as PDFs, photos or an upload. 2. TalaLevel #### Sorts and names every file Each one filed by kind and renamed by carrier, policy and year. 3. TalaLevel #### Knows what is still missing Which years of loss runs are on file, line by line, and which are not. 4. Tala #### Asks only for those “Thanks, got the 2022 to 2024 loss runs. Just need 2025.” Never the whole list again. Checked here - The same file sent twice - Years of loss runs missing - Gone quiet: the lead moves aside until they write back 1. TalaLevel #### Reads the dec pages Carrier, premium, limits, deductibles and the expiry date of each line. 2. TalaLevel #### Reads the loss runs Claims year by year, paid and reserved, which are still open, and the loss ratio. 3. TalaLevel #### Reads the exposures Drivers and vehicles, payroll by class code, locations and their values. Checked here - Loss runs that aren't current - Values that differ between documents - A gap between policies 1. TalaLevel #### Names the lane Preferred carrier, standard carrier, surplus lines, the state's residual market, or decline for now. 2. TalaLevel #### Says quote now, fix first or not now A missing driver list holds it; a missing ID doesn't. 3. TalaLevel #### Lists the questions to ask Only what an underwriter would stop on, most important first. 4. Your rep #### Gets a push when it is ready A clean file sends “Ready to quote” to the producers' phones. Checked here - Loss ratio over your carriers' appetite - Open or large claims - A lapse in coverage - Cancelled for non-payment - Young drivers or violations 1. TalaLevel #### Fills the forms ACORD 125, 126, 127, 130 or 140, as the risk needs, from the documents and the conversation. 2. TalaLevel #### Holds them against the documents A vehicle count or payroll that differs from the file is shown, never silently changed. 3. Your rep #### Checks and sends Your producer reads them over and sends them for signature. Checked here - Forms against the dec pages - Required fields before send 1. Your rep #### Sends the submission Applications, loss runs and schedules together, to a carrier or your wholesaler. 2. TalaLevel #### Collects the quotes Each carrier's premium, limits and deductibles side by side, or their decline with the reason. 3. Your rep #### Walks the prospect through them The quotes sit on the lead for the call. Checked here - A decline closes only that carrier - Quotes kept with their dates 1. Your rep #### Marks the quote they took Carrier, premium and the policy dates, recorded as a deal. 2. Your rep #### Records the commission New business or renewal, as your agency pays it. 3. TalaLevel #### Works out each producer's share Taken back if the policy is cancelled, if that is your rule. Checked here - Owed against paid, per producer, per month 1. TalaLevel #### Keeps the X-date Each line's expiry, from the dec page. 2. Tala #### Reaches out ahead of it Tala texts the client before the X-date to start the renewal review. From your numbers, through the same checks as every text: opt-outs and quiet hours. Off until you switch it on. 3. TalaLevel #### Tells the producer A push and a row on Home, with Tala's thread. 4. Your rep #### Makes the call With what else they might need noted: umbrella, cyber, workers' comp. Checked here - Off until you switch it on - Opt-outs and quiet hours - Stays on Home until done Flags ## What gets flagged, before a carrier sees it. Each flag is found in the documents themselves. A flag is a question for your producer, never a message to the prospect. - ### Loss ratio over appetite Claims paid and reserved against premium, year by year, beyond what your carriers write. - ### Open or large claims A claim still reserved, or one big enough to move the price. - ### A lapse in coverage Days between one policy's end and the next one's start. - ### Cancelled for non-payment Most standard carriers stop here. - ### Young drivers or violations Drivers under 25, or with violations on their record, from the driver list. - ### A class carriers won't write A class code or operation outside your carriers' appetite. - ### Values that don't match A schedule, a payroll or a vehicle count that differs between documents. - ### Loss runs that aren't current Loss runs older than your carriers accept. - ### Told against the file What they said about claims, vehicles or payroll against what the documents show. - ### Missing years Fewer years of loss runs than the carrier asks for. Where the risk can land 1. 1 **Preferred carrier** Clean history, well inside appetite. 2. 2 **Standard carrier** A normal history for the class. 3. 3 **Surplus lines** Outside standard appetite, placed through a wholesaler. 4. 4 **Residual market** The state's plan when nobody else writes it. 5. 5 **Decline for now** A person decides what the prospect hears, and when to try again. Documents ## Every document, asked for once. Tala and your producers see the same list. When a file comes in, she says what arrived and asks only for what is still missing. Loss runs on file - 2022 *Read* - 2023 *Read* - 2024 *Read* - 2025 *Missing* Tala Thanks, got the 2022 to 2024 loss runs. Just need 2025 when you get a chance. - ### Declarations pages For every line they carry now. - ### Loss runs Three to five years, as the carrier asks. - ### Driver list With licence numbers, for commercial auto. - ### Vehicle schedule With VINs and values. - ### Payroll by class code For workers' comp and general liability. - ### Property schedule Locations, values and construction. - ### Signed applications Filled from the file and checked. On screen ## What your producer sees, on the lead. Drawn from the app's layout. The business and every figure are an invented example. Review **Delgado Landscaping LLC** Commercial auto and general liability · X-date Jan 15 Activity Review Applications Policy Ready to quote Standard carrier Five years with one small auto claim, no lapse in coverage, every driver over 25. Premium now **$18,640** *Renewing Jan 15* Loss ratio, 5 years **22%** *1 claim paid · none open* Vehicles **6** *6 drivers · all over 25* Payroll **$412,000** *3 class codes* Lanes Preferred carrier *Maybe* *One auto claim in 2024* Standard carrier *Reached* *Clean, current, no lapse* Surplus lines *Not reached* *Not needed* Ask them Was the March 2024 auto claim closed? Any vehicles added since the last renewal? Missing Loss runs, 5 years Driver list with licences Signed applications 9:41 TalaLevel *now* **Ready to quote: Delgado Landscaping** Standard carrier · quote now Home · Coming up for renewal **Delgado Landscaping LLC** Commercial auto and general liability · X-date Jan 15 What you get ## Part of it runs the day you sign up. The rest is set up for you. You don't configure the industry parts yourself. A TalaLevel representative sets them up in your workspace, around how your floor already works, and hands it over running. Runs today - Leads from imports, texts, calls, your website form and the API - Texting from your own numbers, with the carrier registration done with you - Tala answering, qualifying, following up and booking calls, each switch off until you turn it on - The power dialer, recordings, transcripts and call notes - Joey, the AI caller, on Scale - Statuses that follow the conversation, hand-overs, callbacks and pushes - Deals and each rep's commission, taken back on a cancel if that is your rule - Contracts from your own templates, signed on a link Set up for you - The document reader: dec pages, loss runs and schedules - Loss-run checks and every flag above - Your carriers' appetite, so the lane matches who you write with - ACORD forms filled from the file - Submissions to carriers or your wholesaler, with quotes back on the lead - The X-date, and Tala reaching out ahead of it By plan ## Every plan runs the floor. Pick by how you sell. | | Dialer | Pro | Scale | | --- | --- | --- | --- | | Lines dialed at once | 1 | 3 | 10 | | Texts a seat a month | Not included | 2,000 | 6,000 | | Tala answers and follows up | Not included | Included | Included | | Joey, the AI caller | Not included | Not included | Included | | Coaching: listen, whisper, take over | Not included | Not included | Included | | Price a seat | $47 a month | $97 a month | $247 a month | Full prices are on the [pricing page](https://talalevel.com/pricing/) . See also [sales texting](https://talalevel.com/sales-texting/) , [Tala, the AI sales assistant](https://talalevel.com/ai-sales-assistant/) and [Joey, the AI caller](https://talalevel.com/ai-caller/) . Questions ## Questions from agencies. Straight answers. ### Is TalaLevel a CRM for insurance agencies? Yes. It runs an agency's whole process: quote requests answered by text, dec pages and loss runs collected and read, the risk flagged and placed in a lane, ACORD forms filled, quotes side by side, and the commission and X-date kept. ### Does TalaLevel read loss runs? Yes, set up for you. Loss runs are read year by year: claims paid and reserved, which are still open, and the loss ratio. A TalaLevel representative sets the reader up in your workspace. ### Does it read declarations pages? Yes, set up for you. Carrier, premium, limits, deductibles and the expiry date of each line are read off the dec pages and kept on the lead. ### Can it fill ACORD forms? Yes, set up for you. ACORD 125, 126, 127, 130 and 140 can be filled from the file and held against the documents, then your producer checks them before they go. ### Does it track X-dates? Yes, set up for you. Each line's expiry is kept on the lead. Ahead of it Tala texts the client to start the renewal review, from your numbers and through opt-outs and quiet hours, and the producer gets a push and a row on Home. The texts are off until you switch them on. ### Will Tala quote a premium? No. Tala is set up to ask questions and collect documents, and to hand anything about price or coverage to a person. ### What does “Set up for you” mean? A TalaLevel representative configures those stages in your workspace for you: the document reader, your rules and lanes, your forms and where files go out. You don't build or configure anything yourself. ### Does it track producer commission? Yes. Record the policy with its premium and commission, new business or renewal, and each producer's share is worked out, taken back if the policy is cancelled, if that is your rule. ### Can my producers dial from it? Yes. The power dialer rings up to 10 lines at once on Scale, 3 on Pro and 1 on Dialer, and every call is recorded, transcribed and filed on the lead. ### Does Tala text at night? Her replies to someone who writes in can go at any hour. Her own follow-ups keep to 7am to 10pm in their time zone, and batches keep to quiet hours. ### How much does it cost? Dialer is $47 a seat a month, Pro $97 and Scale $247, with a 7-day trial. Texting and Tala start on Pro; Joey, the AI caller, is on Scale. ## Your next lead texts back tonight. Be there. [Start your 7-day trial](https://app.talalevel.com/signup?plan=pro&interval=month) [Talk to Joey](https://talalevel.com/#talk)