Record of Advice and Needs Analysis (Non-Life Insurance — Personal and Commercial Lines) Completed Form Examples and Samples
Explore comprehensive examples and samples of filled Record of Advice and Needs Analysis forms for Non-Life Insurance. Our resources cover both Personal and Commercial Lines, providing practical templates and guides for documenting client needs, risk analysis, and insurance recommendations.
Record of Advice & Needs Analysis Example – Commercial Lines for a Cafe
How this form was filled:
This example shows a filled-out Record of Advice and Needs Analysis for a small business, 'The Daily Grind Cafe'. It details the process of identifying key commercial risks like property damage, business interruption, and various liabilities, leading to the recommendation of a Business Owner's Policy (BOP) and an Employers' Liability policy.
Information used to fill out the document:
- Client Name: The Daily Grind Cafe Ltd.
- Client Representative: Ms. Eleanor Vance
- Advisor Name: David Chen
- Advisory Firm: SecurePath Insurance Advisors
- Date of Advice: 2026-05-15
- Business Type: Cafe / Coffee Shop
- Needs Identified: Protection against property damage (fire, theft), business interruption, public liability (slip and fall), products liability (foodborne illness), and employers' liability (staff injury).
- Recommended Policy 1: Business Owner's Policy (BOP) from Insurer A
- BOP Coverage: Commercial Property ($500,000), General Liability ($1,000,000), Business Interruption ($100,000)
- BOP Premium: $2,500 annually
- Recommended Policy 2: Employers' Liability Policy from Insurer B
- Employers' Liability Coverage: $500,000 per incident
- Employers' Liability Premium: $800 annually
- Client Decision: Agreed to proceed with both recommended policies.
- Date of Client Agreement: 2026-05-16
What this filled form sample shows:
- Comprehensive Needs Analysis covering property, liability, and business interruption risks.
- Clear identification of client objectives and demands specific to a food service business.
- Specific product recommendations with insurer names, detailed coverage limits, and premiums.
- Documentation of the advice provided and the rationale behind it.
- Record of the client's informed decision and agreement to proceed with the recommended coverage.
Form specifications and details:
| Use Case: | Commercial Lines Insurance for a Small Business (Cafe) |
| Insurance Type: | Non-Life (Commercial) |
| Focus Area: | Property & Casualty, General Liability, Employers' Liability |
Created: February 02, 2026 10:17 PM
