--- title: "P&C Insurance Proposal Software | CopyCat" description: "Property and casualty insurance proposal software for independent agencies. Turn commercial and personal-lines carrier files into cited, branded proposals." url: https://www.runcopycat.com/property-casualty-insurance-proposal-software source: https://www.runcopycat.com --- [Resources](https://www.runcopycat.com/insurance-resources)/Guide P&C agency workflow # P&C Insurance Proposal Software for Independent Agencies P&C agencies need proposal software that can handle two very different kinds of work: high-volume personal-lines packages and detail-heavy commercial accounts. The common requirement is a fast path from inconsistent carrier files to a proposal the client can understand and the agency can verify. **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 Property\_Option\_A.pdf54 pp · Property PDF GL\_Option\_B.pdf41 pp · General liability PDF Auto\_Option\_C.pdf36 pp · Business auto 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 is P&C insurance proposal software for independent agencies. Teams drag in commercial or personal-lines carrier files, review extracted coverage with page-level citations, customize the recommendation, and export the result in the agency’s brand and preferred format. ## What a P&C proposal workflow should cover ### Commercial and personal lines Keep both sides of the P&C book in one repeatable proposal process. ### Carrier-file extraction Read the PDFs, schedules, ACORDs, SOVs, and policy documents the team already receives. ### Coverage comparison Compare limits, deductibles, premiums, exclusions, endorsements, and renewal changes. ### Source verification Open every important value on the exact carrier page before the proposal goes out. ### Agency templates Apply the right branded format for the account, producer, or line of business. ### Team review Let account managers and producers edit, comment, save versions, and approve the final output. 01 ## One P&C workflow without flattening every account A homeowners and auto package should not be forced into the same structure as a layered commercial property program. CopyCat changes the comparison and proposal structure with the account while keeping the operating steps familiar: add files, verify the extracted information, shape the recommendation, and export. That gives an independent agency one workspace across the book without giving up line-specific coverage detail or the proposal formats producers already use. 02 ## Use the carrier documents you already have CopyCat starts after quoting. It does not replace a comparative rater, AMS, or carrier portal. It reads the returned documents and supporting account files, then organizes the information for review and client delivery without requiring a separate setup for every carrier. 03 ## Built for independent-agency control - Preserve different templates for commercial, personal lines, renewals, and VIP accounts. - Keep licensed professionals in control of recommendations and final client communication. - Connect extracted values to source pages instead of asking reviewers to trust a black box. - Use the same source set for quote comparison, coverage review, and the final proposal PDF. Frequently asked questions ## Questions brokers ask What is P&C insurance proposal software?+ P&C insurance proposal software turns property and casualty quote or policy information into client-facing proposals. CopyCat supports both commercial and personal lines, with document extraction, cited comparisons, editable recommendations, and agency-branded output. Does CopyCat replace a comparative rater?+ No. A rater obtains carrier prices. CopyCat handles the next stage by reading the carrier output, comparing coverage, and building the proposal the agency sends to the client. Can one agency use different proposal templates?+ Yes. Agencies can keep different layouts for commercial lines, personal lines, renewals, VIP households, producers, or other workflows. Can CopyCat handle admitted and E&S P&C business?+ Yes. CopyCat can process standard carrier documents along with MGA, E&S, Lloyd’s, and specialty-market files without a carrier-specific template setup. Keep researching ## Related insurance resources [**Commercial P&C proposals**Handle complex, multi-line business accounts.**→**](https://www.runcopycat.com/commercial-insurance-proposal-software)[**Personal-lines proposals**Build clear home, auto, renters, and umbrella packages.**→**](https://www.runcopycat.com/personal-lines-proposal-software)[**P&C proposal examples**Review real commercial and personal-lines output.**→**](https://www.runcopycat.com/insurance-proposal-examples) 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