Schedule of Insurance / Insurance Summary
A clean schedule of every policy you carry: line, carrier, AM Best rating, policy number, term, limits, deductible, premium, and broker. The Excel version totals premium and flags expirations; the Word version is the summary table lenders, boards, landlords, and buyers ask for.
Excel + Word
Who it is for
Business owners preparing for a loan or sale, controllers and CFOs, board members, risk managers, and agents who want a consistent summary for every client.
What is inside
- Excel schedule with one row per policy: line of coverage, carrier, AM Best rating, policy number, effective and expiration dates, limits, deductible or retention, annual premium, broker contact, and notes
- Totals row with SUM formulas and premium share by line
- Days-to-expiration formula with conditional formatting
- Dropdowns for line of coverage and AM Best rating
- Word summary with a formatted table and a cover note for lenders, boards, or due diligence
- Notes on where to find each figure on a declarations page
AI prompt pack: fill this template with ChatGPT or Claude
Paste the prompt below into ChatGPT or Claude together with your own documents (declarations pages, certificates, P&L, contracts). It is written to return results in this template's column order.
Check anything an AI tool returns against the source document before you rely on it. The prompt is a starting point, not a substitute for reading the policy.
Questions
Who asks for a schedule of insurance?
Lenders during a loan or refinance, landlords, boards and audit committees, buyers during due diligence, and franchisors. A clean one-page schedule answers most of their questions without pulling policies.
Where do I find the AM Best rating?
On the carrier's website, on ambest.com, or ask your broker. The rating matters to lenders, who often require A- or better from a carrier with a Financial Size Category of VII or higher.
Should premiums be on the schedule I give a lender?
Usually yes; lenders want to see the program is affordable and in force. For a board or a buyer you may prefer to omit premium; the Word version has a column you can delete.
What is the difference between this and a certificate of insurance?
A certificate is issued by the agent to a third party for one or a few policies. A schedule is your own internal summary of every policy you carry. Lenders may ask for both.
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Free insurance tools
Use the letter generators in your browser, or download the free home inventory and proof-of-loss guide.