Script library: by industry
For commercial insurance brokers calling owners and finance managers about renewals and cover reviews. Every line is ready to use: replace each {{placeholder}}, read it aloud a few times, then make it sound like you.
Quick answer
Business insurance is bought once a year and thought about even less. Most owners stay with their broker because changing feels like work and nothing has gone wrong. Your opportunity sits in two places: the weeks before renewal, and the moments when the business has changed but the cover hasn't.
This script is for general business conversations and booking reviews. It is not a script for giving personal advice or arranging cover over the phone; anything that recommends a specific policy should happen in the review, under your licence and your firm's process.
Six parts, in the order buyers expect them. The note under each part explains why it is written that way.
Hi {{first_name}}, it's {{your_name}} from {{your_company}}. We're a commercial insurance broker working with {{industry}} businesses.
This is a cold call, and I'll only take a minute. Is now okay?
Why it works: Say 'broker' and the industry straight away. It separates you from the insurer call centres they hear from.
I'm calling {{industry}} businesses because {{industry_change}} has changed what a lot of them need covered, and policies often don't get updated to match.
I'm not asking you to change anything today. I just wanted to ask when your main policies come up for renewal.
Why it works: A real industry change gives the call a reason. Asking for the renewal date is low pressure and high value.
When do your main business policies renew?
Has the business changed since the last review: more staff, new sites, new services, bigger contracts?
When did your broker last sit down with you and go through the cover properly?
Is it you who makes the decision on insurance, or is there a finance manager or partner involved?
Why it works: The third question often reveals that the review hasn't happened in years. That is your opening.
That's common. When we review cover for {{industry}} businesses, the most frequent thing we find is {{common_gap}}.
We'll also go to market for you, so you see more than one option before your renewal.
Why it works: Talk about gaps and choice. Avoid promising cheaper premiums, which you can't know yet.
With renewal in {{renewal_month}}, would it be worth 30 minutes in {{review_month}} to go through what you've got? No obligation, and you'll know whether your current cover still fits.
Shall I put something in for {{day_time_1}} or {{day_time_2}}?
Why it works: Book the review six to eight weeks before renewal. Earlier and it's forgotten; later and there's no time to go to market.
Great. I'll send an invite for {{agreed_time}}. If you can have your current schedule handy, it makes the review much quicker.
I'll also send a short note confirming who I am and our licence details.
Why it works: Asking for the schedule makes the review real. Sending your licence details builds trust with a cautious buyer.
Swap one of these in for the opener above when the situation fits.
Hi {{first_name}}, {{your_name}} from {{your_company}}, a commercial broker. Quick question: do you know when your business insurance next renews? I'm only asking because the best time to review it is about two months before.
When to use it: Use for list building or when you have no specific trigger.
Hi {{first_name}}, it's {{your_name}} at {{your_company}}. I saw {{prospect_company}} has {{trigger}}. Bigger contracts often come with new insurance requirements. Has anyone checked your cover against it?
When to use it: Use after a new contract, tender win, new site or expansion.
For when reception or an assistant answers. Be honest about who you are and ask for help.
More gatekeeper scriptsHi, it's {{your_name}} from {{your_company}}, a commercial insurance broker. Who looks after the business insurance, the owner or the finance manager?
Acknowledge, ask one question, then offer a smaller step or let them go.
All objection responsesGood to hear. When does your renewal come up? I'll make a note and give you a call a couple of months before, just in case a second option is useful.
Why: Capture the date. The renewal notice is the moment most owners actually think about their insurance.
Then you're set for the year. When was that, roughly? I'll diarise a call about two months before the next one.
Why: A recent renewal is next year's opportunity. Log it.
I can, but a quote without knowing your business properly can leave gaps. A 30-minute review means the quote is for the cover you actually need.
Why: Positions the review as protection for them, not a sales step.
On price it can look that way. Where it differs is what's excluded. When we review policies we often find {{common_gap}}. Would it be worth checking yours?
Why: Moves the conversation from price to exclusions, which is where brokers add value.
That's useful to know. Would it help if I sent a short summary that you could pass on to them? Or would they want to join the review?
Why: Accountants are often influencers in small business insurance. Include them.
Under 30 seconds. Skip voicemail on the first attempt and pair it with an email the same day.
12 more voicemail scriptsHi {{first_name}}, it's {{your_name}} from {{your_company}}, a commercial insurance broker working with {{industry}} businesses. I'm calling to ask when your business insurance renews, so we can offer a review beforehand. My number is {{phone}}. I'll try again on {{day_time_1}}.
Send it the same day as the call or voicemail. It identifies you and includes a working unsubscribe.
Subject: Your business insurance renewal
Nousu has not published an insurance benchmark row. Use the all-dials averages as a reference, and track renewal dates captured per 100 dials as your leading indicator.
Australian cold calling statistics| Measure | Published figure or what to track |
|---|---|
| Dials that reach a live person | 14% |
| Dials that become a conversation with a decision maker | 6% |
| Decision-maker conversations that book a meeting | 22% |
| Meetings per 100 dials | 1.3 meetings per 100 dials, against 0.3 for offshore teams |
These are Nousu's all-dials averages from 218,000+ dials into Australian businesses, November 2024 to April 2026. Nousu has not published a separate figure for this segment, so treat them as a reference point, not a target.
To see how many dials your own meeting target needs, use the meetings per dial calculator.
General information only, not legal advice.
Australian cold calling lawsThis script is a starting point. The free cold call script generator builds a version around your offer, buyer and market, with your own objection responses, voicemails and follow-up emails. It runs in your browser and nothing you type is stored or sent.
FAQ
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