AI prompt to help a client who is starting a new business

Marriages, new homes, new babies, retirements and losses change what clients need covered. A timely, human message shows you are paying attention and opens a natural coverage review. AI helps you write it quickly and in the right tone.

Below is a ready-to-copy prompt to help a client who is starting a new business, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Semsee and Bold Penguin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Write an email to a client who is launching a small business, listing coverage questions to discuss (general liability, commercial auto, workers' comp if they hire, home-based business gaps). Invite a call. Use placeholders like [First Name]; no client personal info; no guarantees or price promises.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the life event, your relationship with the client, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Write an email to a client who is launching a small business, listing coverage questions to discuss (general liability, commercial auto, workers' comp if they hire, home-based business gaps). Invite a call. Use placeholders like [First Name]; no client personal info; no guarantees or price promises.

What a good result looks like

A good email congratulates the client and lists the coverage questions a new business owner should discuss: general liability, commercial auto if vehicles are used for work, workers' compensation if they hire, and gaps in a home-based business that a homeowners policy may not cover.

Common mistakes and watch-outs

Don't assume their homeowners policy covers business property or liability; it often limits it. Workers' compensation rules vary by state, so keep that general. Avoid promising coverage or pricing before you know what the business does.

How to adapt the prompt

Tailor it for a home-based online business, a contractor or a retail shop. Ask for a short intake questionnaire to send before the call.

EXAMPLE output (placeholder data, not a real client)

Subject: Congratulations on your new business!

Hi [First Name],

Congratulations on launching [Business Name]! A few insurance questions to talk through:

1. General liability: if a customer is hurt or their property is damaged
2. Commercial auto: if you use a vehicle for the business
3. Workers' compensation: if you plan to hire
4. Home-based business: your homeowners policy may not cover business equipment or visitors

Could we set up a 20-minute call? [Booking Link]

[Agent Name]

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Fill in the placeholders. Replace [First Name] with your own details. Use placeholders or de-identified details; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Semsee and Bold Penguin as described below.
Review before you use it. Don't assume what coverage someone needs; invite a review instead. Check every fact, name and number yourself.
Take the next step. Next, see: Explain commercial coverages to business owners.

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

Semsee site ↗

Digital distribution platform connecting agents, partners, carriers and MGAs for commercial quoting.

Suggested from the related task Explain commercial coverages to business owners.

How to use it

Quote the small business risk across connected carriers in Semsee.

Bold Penguin site ↗

Commercial submission platform; states its DeX AI reads, prices and routes submissions to markets.