--- title: "E&S Insurance Proposal Software | CopyCat" description: "Compare E&S, MGA, and Lloyd’s quote documents and create cited, editable insurance proposals without carrier-specific template setup." url: https://www.runcopycat.com/excess-surplus-lines-insurance-proposal-software source: https://www.runcopycat.com --- [Resources](https://www.runcopycat.com/insurance-resources)/Guide E&S and wholesale workflow # E&S Insurance Proposal and Coverage Comparison Software Excess and surplus lines quotes rarely arrive in a standard layout. A useful comparison has to preserve manuscript terms, subjectivities, exclusions, taxes, fees, and binding conditions while still giving the retail broker and insured a clear recommendation. **Super customizable, like editing a document.**Rewrite the recommendation, move sections, change the design, and match your agency’s exact format—instead of fighting a rigid proposal builder. [Book a 15-minute demo](https://cal.com/graham-sabin/demo)See sample proposals Bring one difficult quote. See the comparison and proposal before the call ends. Drag and drop the carrier quotes Drop carrier PDFs here MGA\_Quote\_A.pdf43 pp · E&S quote PDF Lloyds\_Quote\_B.pdf52 pp · Market quote PDF Subjectivities.pdf9 pp · Binding conditions PDF Generate Proposal Edit every word in your agency’s style Aaron Smith Insurance GroupProposal  Nº 2026 Schedule of Proposed Coverage ### Insurance _Proposal_ A confidential summary of proposed commercial coverage, prepared for the review and consideration of the named insured. Contents 01Account & Carrier Summary02 02Cyber Liability, Proposed Coverage03 03Professional Liability / E&O04 04Premium Summary06 Presented To Wylie Family Business LLC Presented By Aaron Smith Insurance Group 4300 S Louise Ave · Sioux Falls, SD Prepared Tami Link 06 / 12 / 2026 NW FILE 2026-0432 · COMMERCIAL 2026 ### RENEWAL PROPOSAL NORTHWIND BROKERAGE   /   APEX MANUFACTURING PREMIUM $9,730 EFFECTIVE 03.15.26 CARRIERS 3 W WESTBROOK & ASSOCIATES 2026 RENEWAL · COMMERCIAL ### Commercial Insurance Proposal Coverage summary, carrier comparison, and bind-ready quote schedule for Apex Manufacturing. CLIENT Apex Manufacturing EFFECTIVE Mar 15, 2026 PREMIUM $9,730 **2×****more likely to close**with a CopyCat proposal **Used by agencies nationwide**Commercial, personal lines, benefits, and specialty teams. Used By Independent Agencies Nationwide ![Aaron M Smith Insurance Group](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/aaron-smith.png)![AIP Insurance Group](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/aip.png)![Blue Marlin Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/blue-marlin.png)![Capital Gate Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/capital-gate.png)![Clients First Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/clients-first.png)![DHW Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/dhw.png)![GMC Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/gmc.png)![Parsons Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/parsons.png)![Paul Diaz Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/paul-diaz.png)![PEER Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/peer.png)![RiskDesk Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/riskdesk.png)![Rizo Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/rizo.png)![RPM Insurance & Risk Management](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/rpm.png)![Steadfast Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/steadfast.png)![Trevant Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/trevant.png)![Valor Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/valor.svg)![VP Insurance Services](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/vp.png)![Yates Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/yates.png)![Aaron M Smith Insurance Group](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/aaron-smith.png)![AIP Insurance Group](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/aip.png)![Blue Marlin Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/blue-marlin.png)![Capital Gate Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/capital-gate.png)![Clients First Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/clients-first.png)![DHW Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/dhw.png)![GMC Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/gmc.png)![Parsons Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/parsons.png)![Paul Diaz Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/paul-diaz.png)![PEER Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/peer.png)![RiskDesk Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/riskdesk.png)![Rizo Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/rizo.png)![RPM Insurance & Risk Management](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/rpm.png)![Steadfast Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/steadfast.png)![Trevant Insurance Agency](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/trevant.png)![Valor Insurance Brokers](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/valor.svg)![VP Insurance Services](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/vp.png)![Yates Insurance](https://cjnkirhvncikaithhqpl.supabase.co/storage/v1/object/public/agency-logos/landing-page-logos/yates.png) Actual quotes from brokers ## The proposal changes the conversation. [See it on your quotes →](https://cal.com/graham-sabin/demo) > “Fast, accurate, a game changer. Repetitive tasks that used to eat our day are fully automated.” **Aaron Smith**Founder & CEO, Aaron Smith Insurance Group > “I used to spend hours on a single low-premium account. Now I can finish five in ten minutes and send them to clients the same day.” **Gary M.**Producer, Commercial Lines, New York > “Coverage comparison made the sale easier. Sending a branded report comparing the renewal beat hopping on the phone every time.” **Ethan B.**Senior Producer, Commercial Lines, Chicago Quick answer CopyCat reads E&S carrier, MGA, program, and Lloyd’s documents without a separate template for each market. It builds a source-linked coverage comparison and an editable proposal that can match the wholesale or retail agency’s brand. ## What an E&S comparison needs to preserve ### Coverage forms Keep occurrence, claims-made, manuscript, and specialty wording visible. ### Limits and sublimits Compare primary limits, aggregates, sublimits, and attachment points. ### Exclusions Surface material restrictions instead of hiding them behind a premium summary. ### Subjectivities Organize outstanding items, warranties, inspections, and binding requirements. ### Taxes and fees Present surplus-lines taxes, stamping fees, policy fees, and total cost. ### Source citations Open every extracted term on the carrier, MGA, or Lloyd’s page behind it. 01 ## No carrier template required E&S teams work with changing markets and inconsistent documents. CopyCat extracts the source information first and applies the proposal structure afterward, so a new MGA layout does not require a new integration before the team can use it. That document-first approach is especially useful for layered programs, specialty forms, and quotes assembled from several markets. 02 ## Keep non-price differences visible Two E&S options with similar premiums may differ materially in exclusions, warranties, subjectivities, retroactive dates, or sublimits. CopyCat organizes those details beside price and keeps each finding tied to the source. 03 ## Support retail and wholesale handoffs - Create an internal market comparison for review. - Add wholesale notes and the licensed broker’s recommendation. - Apply the receiving agency’s preferred client format. - Export a clean proposal while retaining the cited audit trail in the workspace. Frequently asked questions ## Questions brokers ask Can CopyCat read E&S and Lloyd’s quote documents?+ Yes. CopyCat can process non-admitted carrier quotes, MGA binders, program documents, and Lloyd’s slips without a preset template for each market. Can it compare manuscript exclusions and subjectivities?+ Yes. Teams can compare exclusions, conditions, subjectivities, forms, limits, deductibles, taxes, fees, and other source terms. Does CopyCat support layered placements?+ Yes. The comparison can follow the account’s structure across multiple carriers, layers, and coverage lines rather than enforcing a fixed carrier count. Can wholesalers use a custom proposal format?+ Yes. CopyCat can configure branded output for wholesale and retail workflows, including the sections and terminology the team already uses. Keep researching ## Related insurance resources [**Commercial proposals**Handle the full multi-line account.**→**](https://www.runcopycat.com/commercial-insurance-proposal-software)[**Quote comparison**Compare complex market responses with citations.**→**](https://www.runcopycat.com/insurance-quote-comparison-software)[**Renewal comparison**Find changes against the expiring program.**→**](https://www.runcopycat.com/commercial-renewal-comparison-software) Use your own documents ## Bring the quote that usually takes the longest. In 15 minutes, see how it becomes a cited comparison and a proposal your client can act on. [Book a demo](https://cal.com/graham-sabin/demo)See a sample first