do i need a cover letter for insurance

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Insurance Agent Cover Letter Samples & Examples That Worked in 2024

Your insurance agent cover letter plays a pivotal role in persuading the hiring manager that you're the right person for the job. But how can one document do so much heavy lifting? 

Our comprehensive guide is here to answer all your questions. Inside, you'll find professional looking templates, cover letter samples submitted by actual people, detailed examples, and valuable tips. In short, everything you need to know to make your cover letter stand out from the rest .

Keep reading to learn all about how to:

• Craft your insurance agent cover letter header & headline
• Personalize the greeting on your insurance agent cover letter
• Write an eye-catching insurance agent cover letter introduction
• Showcase your professional value as an insurance agent
• Conclude your cover letter with a strong closing statement
• Access top resources for job-seeking insurance agents

Still looking for a job? These 100+ resources will tell you everything you need to get hired fast.

1. Properly craft your insurance agent cover letter header & headline

The first step to writing an effective cover letter is to craft a well-formatted header and headline.

Your cover letter header is where you'll list all the necessary identifying information about yourself and the company you're applying to. As for your cover letter headline , this is a brief title statement used to hook an employer’s attention and serve as a preview for the information to come.

Below are more in-depth explanations and examples of each of these cover letter elements:

Formatting the header

A cover letter header isn't bound by a strict set of formatting rules and can vary in appearance depending on your personal stylistic preferences. However, a header should always contain between 3 to 4 lines of text that include:

• The name of the company & department you are applying to
• Your name and professional title
• Your professional contact information (phone number, email address, LinkedIn, etc.)

Here is an example of a well-formatted header on an insurance agent cover letter

To: Cigna Health, Hiring Department From: Jane Doe , Insurance Agent (123) 456-7890 | [email protected] | linkedin.com/in/jane-doe

Writing the headline

To write the headline of your cover letter, you should always use a keyword related to the position, an eye-catching number or trigger word, a powerful adjective or verb, and a promise.

Here is an example of a well-written headline from an Insurance Agent cover letter:

My 3-Step Approach to Matching Customers with Insurance Plans & How It Can Benefit Your Clients

Trigger Word/Number : 3-Step Approach Keyword: Insurance Plans Adjective/Verb: Matching, Benefit Promise: Your Clients – this addition at the end of the headline shows the employer that you will relate your skills and approach directly to the needs of their company and clients.

Let your cover letter write itself — with AI!

2. personalize the greeting on your insurance agent cover letter.

The greeting of your cover letter follows the headline. While generalized greetings – such as “To Whom It May Concern” – are the simplest options, personalized greetings help to make your cover letter more memorable to employers.

A personalized greeting will address a specific person or department within the company by name. In doing so, this helps to show the employer you have excellent attention to detail and have taken the time to research their company beforehand.

In some cases, you may be unable to pinpoint an exact person or department that will review your application. If this is true for you, try out one of the following alternatives:

To the [Company Name] Team

To the [Company Name] Hiring Manager

3. Write an eye-catching insurance agent cover letter introduction

With your header, headline, and greeting now in place, your next step is to write a compelling and eye-catching cover letter introduction .

A strong introductory paragraph will typically include:

• A brief overview of your professional history and goals
• A statement on why you are enthusiastic about applying to this company
• A mutual acquaintance (when possible)

Here is an example to help demonstrate how to write an insurance agent cover letter introduction

To the [Company Name] Hiring Manager,

I am an Insurance Agent with 5+ years of experience matching clients with the ideal home and property insurance plans. While working as an independent broker, I had the pleasure of meeting your company’s Head of Communications – Jack Smith – who encouraged me to apply for this position after learning of my growing client pool.

Find out your resume score!

4. Showcase your professional value as an insurance agent

Following the introduction of your cover letter are the body paragraphs. We generally recommended aiming for between 2 to 4 body paragraphs that offer more in-depth answers to the following questions:

• What excites you about working at this company?
• What do you hope to learn from working at this company?
• What accomplishments or qualifications make you stand out as an applicant?
• What key skills do you possess that are relevant to the position?

Focusing on your accomplishments is especially important, as they help to show employers the real-life value you can bring to the company.

Here is an example of how to describe an accomplishment in an insurance agent cover letter

As an Insurance Agent at [Former Employer], I achieved a 35% success rate in selling customers extra coverage with their base plans. Additionally, I regularly surpassed the monthly sales quota of $25K at an average of 10% higher sales.

5. Conclude your cover letter with a strong closing statement

To finalize your cover letter, you'll need an effective closing statement that includes:

• An enthusiastic sentence saying you are looking forward to hearing from them
• An additional sentence stating you will follow up, including how you will contact them or how they can contact you
• A formal sign-off

Here is an example of a strong closing statement from an insurance agent cover letter

As your new Insurance Agent, I will bring a large pool of loyal clients to your company and a high level of excellence in sales and consulting. I am eager to hear from you and would love to plan a formal meeting to further discuss this opportunity. I am available all weekdays from 9 a.m. to 4 p.m., and the best way to reach me is at (123) 456-7890.

If I do not hear back within a week, I will reach back out to check on the status of my application.

Best Regards,

[Applicant Name]

Follow this cover letter outline for maximum success. 

6. Job-search resources for insurance agents

Armed with the perfect cover letter and your insurance agent resume , it's time to get to the grand finale — the actual job hunt! But this is easier said than done. Don't worry, we thought about this too. So, we've prepared a list of helpful resources for you to use: 

• Industry-specific job boards: The most straightforward option is to look at websites that cater specifically to your profession. For example: InsuranceJobs.co.uk , iHireInsurance , or InsuranceJobs.com . 
• Online job search engine: By filtering your search through location and keywords, you can find plenty of suitable opportunities with platforms like Indeed , Glassdoor , ZipRecruiter , and SimplyHired . 
• Insurance associations: Organizations such as the Chartered Insurance Institute (CII), the National Association of Insurance and Financial Advisors (NAIFA), or the Independent Insurance Agents & Brokers of America (IIABA) offer unique opportunities for networking, further training, as well as job listings and so much more. 
• Networking: Networking is king! And with a powerhouse of a platform like LinkedIn , you'll be able to connect with industry experts and potential employers from the comfort of your home. 
• Specialized publications: Apart from occasional job postings, media like “ Insurance Journal ,” “ PropertyCasualty360 ,” or “Insurance Networking News (INN),” can help you stay up-to-date with latest industry trends, news, and strategies. 
• Courses & certificates: Online learning platforms like Coursera , Udemy , edX , or even LinkedIn Learning offer a wide selection of courses and certificates that can help you stay sharp and keep developing. 

It doesn't matter how many job postings you end up responding to, remember to always custom tailor every single cover letter to align as closely as possible to whatever the job description calls for. 

Insurance Agent Cover Letter FAQ

What's the most effective way to showcase my skills in an insurance agent cover letter.

Write about your skills in a real-life context. Don't just say you're great at customer service; give specific examples of how your outstanding service led to increased client satisfaction or retention. Start by describing the situation, which skills you utilized to solve it, and mention what results you achieved.Ideally you'll also support your words with quantifiable results.

Should I use a specific structure for my cover letter?

When it comes to cover letter writing, nothing is set in stone. But we recommend following the structure outlined in our article. It's simple, professional, and it stood the test of time for a reason. Just make sure to always include: a greeting, introduction, main body, conclusion, and sign off.

Should I include my salary requirements in the cover letter?

Unless specifically requested in the job posting, it's usually best to avoid the salary discussion at this stage. You want the focus to be on your skills, experiences and fit for the role. Any further discussions about salary expectations should be left to later stages of job interviews.

How long should my cover letter be?

In this case, less is definitely more. Your cover letter should not exceed one page. Anything longer than that, and your job application goes straight in the bin. Aim for three to four well-crafted paragraphs. The idea behind a cover letter is to pique the hiring manager's interest, not give them your life story. Stay succinct, engaging, and relevant!

Do cover letter formats even matter?

Of course they do! Every single detail of your job application speaks volumes about your professionalism. For example, consistent formatting shows attention to detail. So, stick to a simple, clean font, keep margins even, and use a logical order - your contact details, the date, the recipient's details, then your letter content. But our cover letter templates will take care of any such details. 

Milan Šaržík, CPRW

Milan’s work-life has been centered around job search for the past three years. He is a Certified Professional Résumé Writer (CPRW™) as well as an active member of the Professional Association of Résumé Writers & Careers Coaches (PARWCC™). Milan holds a record for creating the most career document samples for our help center – until today, he has written more than 500 resumes and cover letters for positions across various industries. On top of that, Milan has completed studies at multiple well-known institutions, including Harvard University, University of Glasgow, and Frankfurt School of Finance and Management.

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Insurance Specialist Cover Letter: Sample & Guide [Entry Level + Senior Jobs]

Create a standout insurance specialist cover letter with our online platform. browse professional templates for all levels and specialties. land your dream role today.

Are you applying for a job as an Insurance Specialist? Our Insurance Specialist Cover Letter Guide will provide you with the knowledge and resources you need to create an effective cover letter. With this guide, you'll learn how to include relevant information, highlight your qualifications, and demonstrate your enthusiasm for the position.

We will cover:

• How to write a cover letter, no matter your industry or job title.
• What to put on a cover letter to stand out.
• The top skills employers from every industry want to see.
• How to build a cover letter fast with our professional Cover Letter Builder .
• What a cover letter template is, and why you should use it.

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Insurance Specialist Cover Letter Sample

Dear Hiring Manager,

I am writing to express my interest in the Insurance Specialist position with your company. With a background in insurance and customer service, I believe I am an ideal candidate for the role.

I have worked in the insurance industry for over 6 years, developing a deep understanding of how the industry works. As an Insurance Specialist, I have experience in providing customers with insurance quotes, evaluating their insurance needs, and helping them to find the best possible coverage. I also have a strong understanding of insurance regulations, policies, and procedures, as well as a working knowledge of the legal aspects of the industry.

I have a proven track record for providing excellent customer service, with a strong focus on building and maintaining relationships with clients. I am also highly organized and able to manage multiple tasks at once, ensuring that clients receive a prompt and professional service. My excellent problem solving and communication skills also enable me to quickly identify and resolve customer issues.

I am confident that I have the skills and experience to be an asset to your team. I am excited to discuss my qualifications in more detail and to learn more about the position. I look forward to hearing from you and thank you for your time.

Sincerely, [Your Name]

Why Do you Need a Insurance Specialist Cover Letter?

• A Insurance Specialist cover letter is essential for helping you stand out from other applicants and demonstrate your suitability for the role.
• It is an opportunity to highlight your relevant experience and qualifications, as well as any special skills you may have.
• It also allows you to highlight your enthusiasm for the position and your commitment to the company.
• A well-crafted cover letter will give you an edge over other applicants and make you more appealing to potential employers.
• It is also an opportunity to express your personality and create a positive first impression.
• Finally, a cover letter can help you demonstrate your ability to communicate effectively and professionally.

A Few Important Rules To Keep In Mind

• Include a brief introduction of yourself and your qualifications.
• Explain why you are the ideal candidate for the position.
• Highlight your experience in the insurance industry.
• Discuss any certifications or special training you have.
• Showcase any awards or accolades you have received.
• Mention any unique skills or abilities you have.
• Indicate why you are passionate about the insurance field.
• Be sure to include contact information.
• Proofread your letter for grammar and spelling.

What's The Best Structure For Insurance Specialist Cover Letters?

After creating an impressive Insurance Specialist resume , the next step is crafting a compelling cover letter to accompany your job applications. It's essential to remember that your cover letter should maintain a formal tone and follow a recommended structure. But what exactly does this structure entail, and what key elements should be included in a Insurance Specialist cover letter? Let's explore the guidelines and components that will make your cover letter stand out.

Key Components For Insurance Specialist Cover Letters:

• Your contact information, including the date of writing
• The recipient's details, such as the company's name and the name of the addressee
• A professional greeting or salutation, like "Dear Mr. Levi,"
• An attention-grabbing opening statement to captivate the reader's interest
• A concise paragraph explaining why you are an excellent fit for the role
• Another paragraph highlighting why the position aligns with your career goals and aspirations
• A closing statement that reinforces your enthusiasm and suitability for the role
• A complimentary closing, such as "Regards" or "Sincerely," followed by your name
• An optional postscript (P.S.) to add a brief, impactful note or mention any additional relevant information.

Cover Letter Header

A header in a cover letter should typically include the following information:

• Your Full Name: Begin with your first and last name, written in a clear and legible format.
• Contact Information: Include your phone number, email address, and optionally, your mailing address. Providing multiple methods of contact ensures that the hiring manager can reach you easily.
• Date: Add the date on which you are writing the cover letter. This helps establish the timeline of your application.

It's important to place the header at the top of the cover letter, aligning it to the left or center of the page. This ensures that the reader can quickly identify your contact details and know when the cover letter was written.

Cover Letter Greeting / Salutation

A greeting in a cover letter should contain the following elements:

• Personalized Salutation: Address the hiring manager or the specific recipient of the cover letter by their name. If the name is not mentioned in the job posting or you are unsure about the recipient's name, it's acceptable to use a general salutation such as "Dear Hiring Manager" or "Dear [Company Name] Recruiting Team."
• Professional Tone: Maintain a formal and respectful tone throughout the greeting. Avoid using overly casual language or informal expressions.
• Correct Spelling and Title: Double-check the spelling of the recipient's name and ensure that you use the appropriate title (e.g., Mr., Ms., Dr., or Professor) if applicable. This shows attention to detail and professionalism.

For example, a suitable greeting could be "Dear Ms. Johnson," or "Dear Hiring Manager," depending on the information available. It's important to tailor the greeting to the specific recipient to create a personalized and professional tone for your cover letter.

Cover Letter Introduction

An introduction for a cover letter should capture the reader's attention and provide a brief overview of your background and interest in the position. Here's how an effective introduction should look:

• Opening Statement: Start with a strong opening sentence that immediately grabs the reader's attention. Consider mentioning your enthusiasm for the job opportunity or any specific aspect of the company or organization that sparked your interest.
• Brief Introduction: Provide a concise introduction of yourself and mention the specific position you are applying for. Include any relevant background information, such as your current role, educational background, or notable achievements that are directly related to the position.
• Connection to the Company: Demonstrate your knowledge of the company or organization and establish a connection between your skills and experiences with their mission, values, or industry. Showcasing your understanding and alignment with their goals helps to emphasize your fit for the role.
• Engaging Hook: Consider including a compelling sentence or two that highlights your unique selling points or key qualifications that make you stand out from other candidates. This can be a specific accomplishment, a relevant skill, or an experience that demonstrates your value as a potential employee.
• Transition to the Body: Conclude the introduction by smoothly transitioning to the main body of the cover letter, where you will provide more detailed information about your qualifications, experiences, and how they align with the requirements of the position.

By following these guidelines, your cover letter introduction will make a strong first impression and set the stage for the rest of your application.

Cover Letter Body

Dear [Hiring Manager],

I am writing to express my interest in the Insurance Specialist position at [Company Name]. With my background in insurance claims, customer service, and policy management, I am confident I can make a significant contribution to your team.

I am currently employed as an Insurance Specialist at ABC Insurance Company, where I am responsible for processing customer claims and providing customer service. During my time there, I have become adept at identifying and resolving customer complaints in a timely manner, while maintaining a professional and courteous demeanor. Additionally, I have experience handling policy management and renewals, and have a comprehensive understanding of insurance regulations.

I have a proven track record of success in the field of insurance, most notably in my ability to quickly and accurately process customer claims. I have also developed excellent communication skills, which enable me to effectively explain complex insurance policies and procedures to customers. I am comfortable working with a variety of software programs and have a strong knowledge of policy management systems.

I am confident that I can bring my expertise and experience to your team and am eager to contribute to the success of [Company Name]. I am available to discuss my qualifications in more detail at your convenience. Thank you for your time and consideration.

Complimentary Close

The conclusion and signature of a cover letter provide a final opportunity to leave a positive impression and invite further action. Here's how the conclusion and signature of a cover letter should look:

• Summary of Interest: In the conclusion paragraph, summarize your interest in the position and reiterate your enthusiasm for the opportunity to contribute to the organization or school. Emphasize the value you can bring to the role and briefly mention your key qualifications or unique selling points.
• Appreciation and Gratitude: Express appreciation for the reader's time and consideration in reviewing your application. Thank them for the opportunity to be considered for the position and acknowledge any additional materials or documents you have included, such as references or a portfolio.
• Call to Action: Conclude the cover letter with a clear call to action. Indicate your availability for an interview or express your interest in discussing the opportunity further. Encourage the reader to contact you to schedule a meeting or provide any additional information they may require.
• Complimentary Closing: Choose a professional and appropriate complimentary closing to end your cover letter, such as "Sincerely," "Best Regards," or "Thank you." Ensure the closing reflects the overall tone and formality of the letter.
• Signature: Below the complimentary closing, leave space for your handwritten signature. Sign your name in ink using a legible and professional style. If you are submitting a digital or typed cover letter, you can simply type your full name.
• Typed Name: Beneath your signature, type your full name in a clear and readable font. This allows for easy identification and ensures clarity in case the handwritten signature is not clear.

Common Mistakes to Avoid When Writing an Insurance Specialist Cover Letter

When crafting a cover letter, it's essential to present yourself in the best possible light to potential employers. However, there are common mistakes that can hinder your chances of making a strong impression. By being aware of these pitfalls and avoiding them, you can ensure that your cover letter effectively highlights your qualifications and stands out from the competition. In this article, we will explore some of the most common mistakes to avoid when writing a cover letter, providing you with valuable insights and practical tips to help you create a compelling and impactful introduction that captures the attention of hiring managers. Whether you're a seasoned professional or just starting your career journey, understanding these mistakes will greatly enhance your chances of success in the job application process. So, let's dive in and discover how to steer clear of these common missteps and create a standout cover letter that gets you noticed by potential employers.

• Using a generic cover letter template without tailoring it to the specific job posting
• Failing to research the insurance company before writing the cover letter
• Using a one-size-fits-all approach when writing the cover letter
• Omitting the key qualifications or experiences relevant to the job
• Not providing concrete examples of how you have gone above and beyond in previous roles
• Using jargon without providing an explanation of what it means
• Not addressing the cover letter to a specific person
• Using too much fluff or unrelated content
• Not proofreading the cover letter for errors

Key Takeaways For an Insurance Specialist Cover Letter

• Highlight your knowledge of insurance policies and regulations
• Demonstrate your ability to develop and implement effective customer service strategies
• Mention any relevant certifications or qualifications
• Showcase your communication and problem-solving skills
• Focus on your ability to provide excellent customer service
• Express your enthusiasm for helping customers with their insurance needs
• Describe any past success stories or accomplishments

Insurance Agent Cover Letter Example

Written by Mark DeGrasso

May 16, 2023.

Applying for a new job can be a daunting task, especially when it comes to crafting the perfect cover letter. As an insurance agent, your cover letter can make or break your chances of landing the job you desire. In this article, we will walk you through everything you need to know about writing an effective insurance agent cover letter. From the essential components to common mistakes to avoid, we’ve got you covered. Let’s dive in.

When it comes to highlighting your understanding of the insurance industry, it’s important to use specific examples and industry-specific language. For example, if you’re applying for a position in property and casualty insurance , you might mention your experience with underwriting policies for homeowners and auto insurance. If you’re applying for a position in health insurance, you might discuss your experience with navigating the Affordable Care Act and helping clients choose the right health plan for their needs.Another important aspect of a standout insurance agent cover letter is showcasing your relevant experience and skills. This could include experience working in a similar role, as well as any relevant certifications or licenses you hold. You might also highlight any sales or customer service experience you have, as these skills are essential for success in the insurance industry.In addition to demonstrating your knowledge and experience, a great insurance agent cover letter should also showcase your passion for helping clients. This could include discussing your approach to building relationships with clients and providing personalized service, as well as your commitment to staying up-to-date on industry trends and changes.Finally, attention to detail and strong communication skills are essential for any insurance agent. Make sure your cover letter is well-written, free of errors, and tailored specifically to the job description and company you’re applying to. This will show employers that you’re serious about the position and have taken the time to research and understand their needs.Overall, a standout insurance agent cover letter should demonstrate your knowledge, experience, passion, and communication skills, while also showcasing your attention to detail and commitment to providing exceptional service to clients. With these elements in place, you’ll be well on your way to landing your dream job in the insurance industry.

Essential Components of a Insurance Agent Cover Letter

When crafting your insurance agent cover letter, there are a few key components you should always include:

First and foremost, your cover letter should be personalized and tailored to the specific job you are applying for. This means researching the company and the position, and highlighting how your skills and experience align with their needs.

An attention-grabbing opening statement is crucial in making a strong first impression. Consider starting with a personal anecdote or a statistic that showcases your passion for the insurance industry. For example, you could mention how you have always been interested in helping people protect their assets and plan for their future.

After your opening statement, provide a brief overview of your relevant experience and qualifications. This should include your education, any relevant certifications or licenses, and any previous insurance industry experience you have.

Next, provide a more detailed account of your skills that are directly related to the specific job requirements. For example, if the job posting emphasizes the importance of strong communication skills, provide specific examples of how you have excelled in this area in previous roles.

It is also important to provide examples of your past successes and achievements in the insurance industry. This could include increasing sales figures, improving customer retention rates, or receiving awards or recognition for your work.

Finally, close your cover letter with a statement that reiterates your interest in the position and thanks the employer for considering your application. Consider including a call to action, such as requesting an interview or offering to provide additional information.

Overall, a strong insurance agent cover letter should showcase your passion for the industry, highlight your relevant skills and experience, and demonstrate your potential value to the employer.

Common Mistakes To Avoid When Writing a Insurance Agent Cover Letter

As an insurance agent, you know the importance of attention to detail. It’s crucial to apply that same level of detail to your cover letter. Here are some common mistakes to avoid:

• Using a generic cover letter: Employers can spot a generic cover letter from a mile away. Take the time to customize your letter to the specific job requirements and company culture.
• Focusing too much on personal achievements: While it’s important to highlight your accomplishments, make sure to tie them back to how they can benefit the company. Employers want to know how you can add value to their team.
• Submitting a letter with errors: Grammatical and spelling errors can be a deal-breaker for employers. Take the time to proofread your letter multiple times and consider having someone else review it as well.
• Overusing buzzwords and industry jargon: While it’s important to demonstrate your knowledge of the industry, be careful not to overdo it with buzzwords and jargon. This can come across as confusing or even pretentious to the employer.
• Not tailoring the cover letter: Just as you wouldn’t sell car insurance to someone who needs homeowners insurance, you shouldn’t submit a generic cover letter to an employer in a specific insurance niche. Take the time to research the company and industry and tailor your letter accordingly.

By avoiding these common mistakes, you can ensure that your insurance agent cover letter stands out from the crowd and showcases your qualifications and value as a potential employee.

Final Steps On Writing Your Insurance Agent Cover Letter

Congratulations on completing your insurance agent cover letter! You’ve taken a crucial step towards landing your dream job. However, before you hit “send,” there are a few final steps you should take to ensure that your cover letter is polished and professional.

First and foremost, proofread your cover letter thoroughly. Check for typos, grammatical errors, and spelling mistakes. These small errors can be a red flag to potential employers and may harm your chances of getting hired. Take the time to read through your cover letter carefully, or even consider using a proofreading tool or service to help you catch any mistakes.

It’s also a good idea to have a trusted friend or mentor read your letter and offer feedback. They may be able to spot areas where you can improve your writing, or offer suggestions for making your cover letter more compelling. Additionally, they can provide an outside perspective on your letter and help you identify any areas that may be unclear or confusing.

Finally, ensure that your formatting is consistent and easy to read. Use a professional font and font size, and make sure that your paragraphs are well-organized and easy to follow. Use bullet points or numbered lists where appropriate to help break up the text and make your letter more visually appealing.

By taking these final steps, you can ensure that your insurance agent cover letter is the best it can be. Good luck with your job search!

Example Insurance Agent Cover Letter

Dear [Employer’s Name],

I am writing to express my interest in the [Position Title] at [Company Name]. As an experienced insurance agent with [Number of Years] of experience, I am confident in my ability to excel in this role and make a valuable contribution to your company.

Throughout my career, I have demonstrated a strong commitment to excellent customer service and achieving sales targets. In my most recent role at [Previous Company Name], I consistently exceeded sales goals and maintained a high level of customer satisfaction. I was also responsible for managing a team of agents and training them on effective sales techniques.

One of my proudest achievements was creating and implementing a successful marketing campaign that increased brand awareness and drove sales. I collaborated with the marketing team to develop targeted messaging and utilized social media platforms to reach a wider audience. This resulted in a 25% increase in sales over a six-month period.

I am particularly drawn to [Company Name]’s reputation for innovation and customer-centric approach to insurance. I believe that my strong communication skills and attention to detail make me a perfect fit for this position. I am also excited about the opportunity to work with a team of professionals who are passionate about delivering exceptional service to clients.

Outside of work, I am an active member of the community and have volunteered with various organizations, including Habitat for Humanity and the American Red Cross. I believe in giving back and making a positive impact in the lives of others.

Thank you for considering my application. I look forward to the opportunity to discuss my qualifications in further detail.

[Your Name]

Insurance Agent Cover Letter FAQ

Are you seeking a career as an insurance agent? If so, you’ll need a strong cover letter to accompany your resume. Here are some frequently asked questions about insurance agent cover letters, along with some helpful tips to make your cover letter stand out:

Q: How long should my insurance agent cover letter be?

A: Generally, a cover letter should be no longer than one page. This ensures that your letter is concise and to the point, while still providing enough information to entice the employer to read your resume.

Q: Should I include a salary requirement in my insurance agent cover letter?

A: It’s typically not necessary to include a salary requirement in your initial cover letter. If the employer requires this information, they will likely ask for it separately. Instead, focus on highlighting your skills and qualifications that make you the best fit for the job.

Q: How do I address my cover letter if I don’t know the employer’s name?

A: If you don’t know the employer’s name, you can address your letter to “Dear Hiring Manager” or “Dear Human Resources.” However, it’s always best to do a little research to find out the name of the person who will be reviewing your application. This shows that you’ve taken the time to personalize your letter and are truly interested in the position.

Q: Do I need to submit a cover letter if the job posting doesn’t require one?

A: Even if a cover letter isn’t required, it’s always a good idea to submit one as it can help set you apart from other applicants and demonstrate your enthusiasm for the position. Use your cover letter to showcase your skills and experience, and explain why you’re the best candidate for the job.

As an insurance agent, you’ll be responsible for helping clients navigate the often confusing world of insurance. This requires not only a strong knowledge of insurance policies and regulations, but also excellent communication skills and the ability to build trust with clients. In your cover letter, be sure to highlight any experience you have in these areas, as well as any relevant certifications or licenses you hold.

Additionally, it’s important to show that you’re familiar with the company and its mission. Do some research on the company’s website and social media channels to get a better sense of its values and goals. Then, use this information to tailor your cover letter to the specific company and position you’re applying for.

In conclusion, writing an effective insurance agent cover letter requires careful attention to detail, a strong understanding of the insurance industry, and excellent communication skills. By following the tips outlined in this article, you’ll be well on your way to crafting a standout cover letter that will impress potential employers.

Table of Contents

• Resume Builder
• Resume Templates
• Resume Formats
• Resume Examples
• Cover Letter Builder
• Cover Letter Templates
• Cover Letter Formats
• Cover Letter Examples
• Career Advice
• Interview Questions
• Resume Skills
• Resume Objectives
• Job Description
• Job Responsibilities
• FAQ’s

Insurance Agent Cover Letter Example

Writing a cover letter for an insurance agent position is an important step of the job-seeking process. Crafting a strong, well-written cover letter can help you stand out from other applicants and make a great impression on potential employers. This guide provides step-by-step instructions for writing an effective cover letter, along with an example to help you get started. With the right approach and strategy, you can create a letter that will help you land the job.

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Insurance Agent Cover Letter Sample

Dear [Hiring Manager],

I am writing to apply for the Insurance Agent position at [Company Name], as recently advertised on [Job Board Name]. With my four years of experience in the insurance industry, I am confident I am the right candidate for the role.

My current role as an Insurance Agent at [Company Name], has allowed me to develop and hone my skills in the necessary areas of customer service, sales, and insurance knowledge. I have an impeccable track record of success in helping customers find the best insurance coverage that meets their needs, while still staying within their budget.

I am confident I would be an asset to your organization, and am excited to apply my knowledge and expertise to the position. I am highly experienced in customer service and am adept at developing and sustaining long- term relationships with clients. I am also knowledgeable and efficient in examining policies, contracts and coverage to help customers make informed decisions that meet their needs. Additionally, I am conversant in various insurance regulations and am able to explain complex insurance information in a clear and concise manner.

I have enclosed my resume, which provides more details regarding my background and experience. I am confident that I would make an excellent addition to your organization and I look forward to discussing the position further.

Thank you for your time and consideration.

[Your Name]

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What should a Insurance Agent cover letter include?

A well- crafted insurance agent cover letter is essential to getting your resume noticed and should be tailored to the specific job you are applying for. Your cover letter should include a summary of your qualifications and experience that make you a good fit for the insurance agent role, as well as a brief explanation of why you are interested in this type of work. This is an opportunity to demonstrate your enthusiasm for the role and highlight any skills or experiences that make you the perfect candidate.

Begin your cover letter with an engaging introduction that outlines your past experience and qualifications. Include any relevant skills, such as providing customer service, understanding insurance policies, and working with databases. It can be helpful to include a few sentences describing why you are interested in the insurance agent role and why you believe you are a good fit for the company.

Continue your cover letter by describing your experience in the insurance industry, such as any certifications or licenses you hold. Also, outline any successes you have had in the past, such as rising sales or high customer satisfaction scores. Be sure to mention any specialized knowledge you have and how you could use it to benefit the company.

Finally, close your cover letter by thanking the reader for their time and expressing your excitement for the opportunity to discuss the insurance agent role in more detail. Be sure to include your contact information, such as your phone number and email address, in case the reader has any additional questions or would like to schedule an interview.

Insurance Agent Cover Letter Writing Tips

Writing a successful cover letter for an insurance agent position can help differentiate you from the competition and ensure your application stands out. A cover letter should be concise and tailored to the position you’re applying for, so here are some tips to help you craft the perfect cover letter:

• Do your research: Before writing your cover letter, research the company you’re applying to and the role you are applying for. This will help you tailor your letter to the opportunity and better explain why you’re a great fit.
• Highlight your skills: Use your cover letter to highlight your relevant skills and experiences that relate to the position. Focus on the skills that are most important for an insurance agent such as customer service, communication, problem- solving, and organization.
• Showcase your passion: In your cover letter, make sure to showcase your enthusiasm and passion for the insurance industry. Explain why you’re excited about the role and why you would be an asset to the company.
• Keep it concise: Your cover letter should be no longer than one page. Make sure you are being concise and to the point, focusing on the most important details.
• Follow up: Make sure to follow up after submitting your application. This will show the company that you’re dedicated and motivated. It’s also a great opportunity to reiterate why you’d be a great fit for the position.

Common mistakes to avoid when writing Insurance Agent Cover letter

A cover letter is your opportunity to make a lasting impression, and if you’re applying for an Insurance Agent role, you want to make sure that you stand out from the competition. Here are some of the common mistakes to avoid when putting together your cover letter:

• Not Mirroring the Job Description: Make sure your cover letter reflects the job description and highlights the skills and experiences that match the position you are applying for.
• Not Showing Passion: To stand out, you want to show the hiring manager how passionate you are about the role, and why you are the ideal candidate for the position.
• Not Personalizing Your Cover Letter: Your cover letter should be tailored to the specific job you’re applying for, so make sure you’re addressing it to the right person, and include the job title in the subject line.
• Not Proofreading: This is an essential step that should never be overlooked! Make sure to review your letter for any spelling or grammar errors before submitting it.
• Not Showcasing Your Value: Aside from your education and relevant work experience, highlight any unique skills or qualifications that make you stand out from the other applicants.

By following these tips, you can ensure that your cover letter is the best it can be, and gives you the best chance of securing that Insurance Agent job!

Key takeaways

When it comes to applying for a job as an Insurance Agent, writing an impressive cover letter is essential for setting yourself apart from the competition. Your cover letter should be well- crafted, persuasive and persuasive. Here are some key takeaways for writing an impressive Insurance Agent cover letter:

• Highlight Your Relevant Experiences: Detail your relevant experience in the insurance industry and emphasize why you are uniquely qualified for the role.
• Explain Your Understanding of Insurance Products: Demonstrate your knowledge and understanding of the various insurance products and the insurance industry as a whole.
• Demonstrate Your Ability to Connect with Clients: Showcase your ability to build relationships with clients and how your skills and experience can help them.
• Discuss Your Hard and Soft Skills: Describe both your hard skills such as sales, negotiation, and problem- solving, as well as your soft skills such as communication, customer service, and relationship building.
• Use Strong Language: Make sure to use persuasive language that will grab the attention of the hiring manager and demonstrate your enthusiasm for the role.
• Tailor Your Cover Letter: Craft your cover letter to the specific role and company. Make sure to include specific examples of how your skills and experience fit the job description.

By following these tips, you can write an impressive cover letter that will set you apart from the competition and help you get the job as an Insurance Agent.

Frequently Asked Questions

1.how do i write a cover letter for an insurance agent job with no experience.

When writing a cover letter for an Insurance Agent job with no experience, it is important to emphasize the qualities and skills that you have that make you a strong candidate for the job. For example, you can emphasize your strong communication skills, your ability to work independently, your customer service skills, and your ability to work with a wide range of clients. Additionally, you can highlight your knowledge of the industry, your ability to think outside the box, and your enthusiasm for the job. When writing your cover letter, make sure that you explain why you are a good fit for the role and how your skills and abilities will be an asset to the company.

2.How do I write a cover letter for an Insurance Agent job experience?

When writing a cover letter for an Insurance Agent job with experience, it is important to emphasize the qualities and skills that you possess, as well as the work experience that you have in the insurance industry. Make sure to mention the specific roles, responsibilities, and accomplishments that you have had in your previous roles, and demonstrate how these experiences have made you a better candidate for the job. Additionally, emphasize your knowledge of the insurance industry, your ability to work with clients, and your strong customer service skills. Your cover letter should showcase your enthusiasm for the job and explain why you are the best candidate for the position.

3.How can I highlight my accomplishments in Insurance Agent cover letter?

When writing a cover letter for an Insurance Agent job, it is important to highlight your accomplishments in the industry. Make sure to point out any awards or certifications that you have received, and explain how you have gone above and beyond in your positions in the past. Additionally, showcase any successful projects that you have completed and elaborate on why they were successful. Your cover letter should be a demonstration of your skills and abilities, and it is important to highlight your achievements in order to make a strong impression on the hiring manager.

4.What is a good cover letter for an Insurance Agent job?

A good cover letter for an Insurance Agent job should include information about your experience in the industry, your knowledge of the industry, and your customer service skills. Additionally, it should emphasize your ability to work with clients, your enthusiasm for the job, and your commitment to the work. Your cover letter should also be free from errors, written in a professional tone, and include specific examples of your accomplishments. Finally, make sure that your cover letter demonstrates why you are the best candidate for the job and that it conveys your interest in the position.

In addition to this, be sure to check out our cover letter templates , cover letter formats ,  cover letter examples ,  job description , and  career advice  pages for more helpful tips and advice.

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Insurance Agent Cover Letter - Examples and Guidelines

An insurance career is innovative and dynamic, attracting people from all walks of life. You have the opportunity to make a difference in the community, have access to many jobs and get to work in a stable industry.

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Insurance Agent Cover Letter Example

Junior Brown 4184 McDonald Avenue Apopka, FL 32703 [email protected] linkedin.com/in/juniorbrown 2/12/2018

Mr. Steven Hicks Hiring Manager Jubilee Insurance Company 833 American Drive Pennsauken, NJ 08110

Dear Steven,

I'm excited to learn that there is an opening for an Insurance sales agent position at Jubilee Insurance. I have nine years of experience in the Insurance industry and would love an opportunity to work at Jubilee, an innovator in the industry. I believe that my knowledge, talent, and skills are perfect for the said position, and this will also be an excellent opportunity for growth.

In my previous role as an insurance agent, I was tasked with managing a portfolio with 25 clients. I increased the company's revenue by 20% by upselling our existing insurance products and getting more clients on board. My experience has also allowed me to grow my communication, customer service, and negotiation skills.

I recently took up a Certified Insurance Counselors certification and increased my knowledge in personal line insurance, helping me serve my clients better. I believe that this knowledge will be vital for this position.

Please let me know if you have any further questions regarding my qualifications. Thank you for taking the time to check my application. I look forward to hearing from you.

Kind regards, Ivy.

However, you need a strong job application consisting of a resume and an outstanding insurance agent cover letter to beat your competition. Writing a cover letter may be challenging as you determine what to add to it.

Here is a detailed guide that will give you tips to help you create a professional cover letter that gets you your dream job. Some of the topics we'll cover include:

• The layout and structure you should consider for your cover letter.
• How to write an introduction that gets the recruiter's attention.
• The dos and don'ts of writing a farewell as you finish your cover letter.
• The right way to add your call to action.

How to Write a Cover Letter for Insurance Agents

Cover letters make a difference in your application by giving more details about your qualifications. You get to showcase your personality as you write about your skills and experience.

Once in a while, you'll encounter a hiring manager who doesn't require a cover letter, but this is also rare. Your application will be incomplete without a cover letter , so always complement your resume with one unless specifically stated otherwise.

If you don't have much experience, highlight your educational qualifications and show the recruiter how specific courses have prepared you for the position. A cover letter also allows you to express your interest in the job.

The structure of your insurance agent cover letter should have the following information:

• A header section
• A formal greeting
• An introduction of your cover letter
• The body of the cover letter(consists of relevant experience, skills, and other accomplishments)
• A conclusion
• The call to action
• A farewell to close the letter.

Start With The Header

The header section of your cover letter will have your personal details and those of the addressee. Your details include your full name, street address, professional email address, and a link to your LinkedIn profile(This is optional).

The addressee's details include their name, job title, company name, and street address.

The recruiter will use these details to contact you, so ensure they are accurate.

Introduce Yourself As You Begin Your Cover Letter

As you write your resume, use these tips to help you write a strong introduction.

• Start this section with a professional greeting and add the recipient's name. If you have done your research and still couldn't find the recipient's name, you can use 'Dear Sir/Madam,' but this is not always recommended.
• Express your interest in the position in this section and tell the recruiter how you found out about the job opportunity. Keep it short and brief as you add your introduction.
• Mention the good things you've heard about the company and add your experience level as an insurance agent.

Correct example

I'm excited about the open insurance agent position at Allstate Insurance advertised on the company website. I have worked in the insurance field for six years and specialized in property and liability insurance.

In my previous role at Chubb insurance, I won the employee of the year award after closing one of the biggest deals for the company. I also surpassed all my sales targets by 15% by focusing on a niche market that was tough to penetrate initially but eventually paid off. Though I achieved great success in my previous job, I believe it's time for a new challenge.

The introduction above starts with the correct greeting and proceeds to describe the candidate's experience that has prepared them for the position. It also expresses the candidate's interest in the position.

Incorrect example

I recently saw an open insurance agent position at Allstate Insurance and would like to apply for the same. I believe that my experience will allow me to perform my duties diligently and serve your customers well.

The example above starts with a lazy greeting not directed to any specific person. It also fails to give details that show the recruiter what makes you a unique candidate.

Explain Why You're the Best for the Job

The second part of your cover letter is the body. This is where you'll add your job duties/responsibilities at your previous job . As you add them, use figures and facts to quantify the achievements and show the hiring manager the value you could bring to the company. This section of your cover letter can have two to three paragraphs.

The first paragraph of this section focuses on your previous role and the job duties. As you add the duties/responsibilities, incorporate the right keywords and action verbs from the job description. These optimize your cover letter and ensure that it gets past the ATS systems that hiring managers use to filter out resumes and cover letters that don't have the right requirements.

The second paragraph in this section describes how your previous experience and skills have prepared you for the job. This is where you'll add an achievement that sets you apart from everyone else if you have one.

Some of my tasks in my previous role included overseeing a portfolio of 10 clients, identifying new customers and closing deals that increased sales by 20%, and arranging for and maintaining all types of personal insurance policies within the company.

My position allowed me to improve my communication and negotiation skills. I'm also a great team player who collaborates well with people to ensure the company achieves its targets. I believe that my valuable experience and skills will allow me to perform an excellent job.

The example above describes the candidate's responsibilities and shows the recruiter how their experience and skills has prepared them for the new job.

Some of my duties included contacting new clients, upselling customer products and services, and reaching out to old clients to find out their needs. I believe that my experience will allow me to do a good job.

The example above highlights the candidate's duties but fails to give details of their achievements that make them stand out.

Finish Your Cover Letter With a Call to Action (CTA)

A call to action is vital as you conclude the cover letter. It encourages the recruiter to respond to you once they receive your application . Failure to add one may cause you not to hear from the recruiter. As you add your call to action, take some time to thank the recruiter for reviewing your application and ask them for the next steps.

You can reach me anytime on the email or phone number provided.

This gives the recruiter options to contact you when they need to provide information about the job.

Let me know if there are any updates.

This encourages the recruiter to update you on the hiring process, which is great, especially if you're waiting for feedback for more than one opportunity.

I'd love to set up a meeting and discuss my qualifications further.

This might inspire the recruiter to give you a callback and plan an in-person meeting.

I'd like to discuss my background further at your earliest convenience.

This call to action implies that there are more details about you that the recruiter should be intrigued about.

I hope to hear from you soon.

This implies that you're already positive that you'll hear from the recruiter and may encourage them to reach out.

The Farewell: Finish With a Professional Sign-off

If you write an exceptional cover letter but fail to add the correct sign-off, you'll probably miss out on the opportunity. This is the last section of the cover letter . Here are some examples to help you out.

• Sincerely yours
• Best regards
• Yours truly
• Most sincerely
• Respectfully yours
• Kind regards
• Respectfully
• Best wishes
• Affectionately

Accompany Your Cover Letter with a Powerful Resume

While a cover letter is an essential document that boosts your application, you still need an outstanding resume to make your application complete. The resume highlights your experience, skills, and top accomplishments . Check out our resume examples that will help you create the perfect resume. Also, use our resume templates or resume builder to structure the cover letter.

Key Takeaways

• Start with an interesting introduction that gets the recruiter's attention.
• Check the contact information you've provided to ensure that it's correct.
• Personalize the greeting at the beginning of the cover letter by adding the addressee's name.
• The cover letter must always have a call to action.
• Check out our cover letter examples to help you write yours.
• Always end the cover letter with a professional sign-off.

Frequently Asked Questions

Which companies are hiring insurance agents.

According to Glassdoor , the companies hiring insurance agents include:

• Liberty Mutual Insurance
• American Income Life
• Progressive Insurance

What should a cover letter for insurance include?

• An introduction
• Body of the cover letter
• A call to action
• A professional sign-off

Tasuta allalaetav kaaskirja mall

Motivatsioonikiri, millele on enamikul juhtudel lisatud CV, on iga töötaotluse põhielement. Seda tüüpi kiri peab lühidalt kirjeldama oskusi, võimeid ja teadmisi, mis teil on ja mis on teatud huviga seoses otsitava ametikohaga. Selles mõttes peab kaaskiri lihtsalt sisaldama sellele ametikohale kandideerimise motivatsiooni ja põhjendusi. See peab äratama värbajas huvi ja panema ta pidama teid selle töö jaoks parimaks võimaluseks.

Kuidas koostada lihtsat kaaskirja

• 1 Valige oma valitud CV mall.
• 2 Austab ühtset struktuuri. Näiteks kasutage kaaskirja struktuuriga "Sina-Mina-Meie".
• 3 Lisage järgmised osad, apellatsioonivorm, lühitutvustus, kirja sisu ja järeldus
• 4 Ärge unustage viimast viisakusvalemit. Vaadake kaaskirja viisakusvalemite näiteid.
• 5 Isiklikuma ja formaalsema ilme lisamiseks lisage lehe allossa oma allkiri
• 6 Kui soovite saata selle meili teel, eksportige oma kaaskiri PDF-vormingus.

Teised kaaskirjade näidised

Kaaskirja struktureerimise nõuanded.

Kaaskirja kirjutamise hõlbustamiseks pidage meeles, et koguge eelnevalt kogu vajalik teave. Näidake toimetaja loovust, järgides samal ajal tüpograafiliste reeglite õiget kasutamist ja jälgides, et ei tekiks kirjavigu. Sest hea kaaskiri peegeldab teie kuvandit inimese ja professionaalina. Olge oma kirjutamisel loominguline ja originaalne, jäädes samas lihtsaks, kokkuvõtlikuks ja täpseks. ‍ Näidake läbitud punktide ohutust, enesekindlust ja meisterlikkust. Rõhutage, mida saate ettevõttesse tuua ja mainige oma erialast kogemust vastavas valdkonnas. Märkige ka kõik põhipunktid, mis panevad teid end uute ideedega täitva transformeeriva agendina ilmuma. Täpsustage oma võimet saavutada kavandatud eesmärgid ja kohaneda uute suundumustega.

Näita ennast positiivselt. Ärge langege sellesse viga, et kasutate sama kaaskirja mitme ettevõtte jaoks. Koostage kaaskiri iga taotletava töö kohta. Seda tüüpi kiri võimaldab tööandjal kujundada teie isiksuse kohta arvamust, sest see annab teile võimaluse täpsustada oma motivatsioone, mida lihtsas CV-s tegelikult ei kirjeldata.

Lihtsa ja tõhusa kaaskirja kirjutamise soovitused

• Laiendage Intro ‍ Pidage meeles, et pärast kõne valemit peate välja töötama sissejuhatuse, kus tutvustate end ametlikult ja isiklikult. Ärge unustage märkida peamist eesmärki, mis ajendas teid seda kirja kirjutama.
• Struktureerige oma kirja sisu Laske end juhinduda järgmistest küsimustest: – Miks?, Mis eesmärgil?, Kuidas?, Miks soovite selles ettevõttes töötada? → selles osas peate kirjeldama, mida saate ettevõttele tuua. – Rõhutage, kuidas teie teadmised võivad oluliselt mõjutada ettevõtte funktsioonide arengut ja majandussektorit, kus ta tegutseb. - Kuidas te seda teeksite tee seda? → lihtsalt rõhutab teie teadmisi ja võimeid professionaalina – Rõhutage oma õnnestumisi, varasemaid kogemusi, diplomeid, saadud tunnustusi või auhindu.
• Olge oma järeldustes otsekohene Andke teada, et olete vestluseks saadaval, esitades kontaktteabe, näiteks oma e-posti aadressi, telefoninumbri ja postiaadressi. Kui need kontaktandmed muutuvad, ärge unustage uuendada oma CV-d ja kaaskirja ning saata need uuesti ettevõtetele, kes on need juba saanud.
• Hoolitse paigutuse eest Teie kaaskiri peab olema kooskõlas teie CV-ga. Värbaja peab esmapilgul nägema, et need 2 dokumenti moodustavad ühe taotluse. Kasutage oma kaaskirjas samu värve, fonti, ikoone jne, mis oma CV-s. See väike näpunäide aitab teil luua tõhusa ja professionaalse rakenduse.

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What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

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Cover Letter

Advice for getting a job, instructions.

How to Write a Cover Letter: Your Full Guide (With Tips and Examples)

It’s a familiar cycle: You sit down to write a cover letter, open a blank document, check your email, browse cover letter examples , do some chores, watch that cursor blink a few more times, and finally Google something like “how to write a cover letter”—which hopefully brought you here. But you still might be thinking, does anyone really read cover letters? Why do they even exist?

First: Yes, we can assure you that cover letters do, in fact, get read. To some hiring managers, they’re the most important part of your job application. And regardless, you don’t want to miss the opportunity to tell prospective employers who you are, showcase why they should hire you, and stand out above all the other candidates.

To ensure your letter is in amazing shape (and crafting it is as painless as possible), we’ve got easy-to-follow steps plus examples, a few bonus tips, and answers to frequently asked questions.

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What is a cover letter and why is it important?

A cover letter is a brief (one page or less) note that you write to a hiring manager or recruiter to go along with your resume and other application materials.

Done well, a cover letter gives you the chance to speak directly to how your skills and experience line up with the specific job you’re pursuing. It also affords you an opportunity to hint to the reviewer that you’re likable, original, and likely to be a great addition to the team.

Instead of using cover letters to their strategic advantage, most job applicants blabber on and on about what they want, toss out bland, cliché-filled paragraphs that essentially just regurgitate their resume, or go off on some strange tangent in an effort to be unique. Given this reality, imagine the leg up you’ll have once you learn how to do cover letters right.

How long should a cover letter be?

An ideal cover letter typically ranges from a half page to one full page. Aim to structure it into four paragraphs, totaling around 250 to 400 words, unless the job posting states otherwise. Some employers may have specific guidelines like word or character limits, writing prompt, or questions to address. In such cases, be sure to follow these instructions from the job posting.

How to write a cover letter hiring managers will love

Now that you’re sold on how important cover letters are, here are eight steps to writing one that screams, “I’m a great hire!”

Step 1: Write a fresh cover letter for each job (but yes, you can use a template)

Sure, it’s way faster and easier to take the cover letter you wrote for your last application, change the name of the company, and send it off. But most employers want to see that you’re truly excited about the specific position and organization—which means creating a custom letter for each position.

While it’s OK to recycle a few strong sentences and phrases from one cover letter to the next, don’t even think about sending out a 100% generic letter. “Dear Hiring Manager, I am excited to apply to the open position at your company” is an immediate signal to recruiters and hiring managers that you’re mass-applying to every job listing that pops up on LinkedIn.

At the same time, there’s nothing that says you can’t get a little help: Try out one of our free cover letter templates to make the process a bit easier.

Step 2: Add your contact info

At the top of your cover letter, you should list out your basic info. You can even copy the same heading from your resume if you’d like. Some contact info you might include (and the order to include it in):

• Your pronouns (optional)
• Your location (optional)
• Your email address
• Your phone number (optional)
• Your Linkedin, portfolio, or personal website URL (optional)

Note that only name and email are mandatory, and you don’t need to put a full address on a cover letter or resume anymore. A city and state (or metro area) are more than enough. So your header might look like this:

Inigo Montoya he/him Florin Metropolitan Area [email protected] 555-999-2222

If the job posting tells you to submit your cover letter in the body of an email, you can add your contact info at the end, after your name (and if you’d like to forgo the email address here, you can—they have it already). So your sign off could look like this:

Violet Baudelaire she/her [email protected] 123-123-1234

https://www.linkedin.com/in/violet-baudelaire/

Step 3: Address your cover letter to the hiring manager—preferably by name

The most traditional way to address a cover letter is to use the person’s first and last name, including “Mr.” or “Ms.” (for example, “Dear Ms. Jane Smith” or just “Dear Ms. Smith”). But to avoid accidentally using the wrong title—or worse, inadvertently misgendering someone—first and last name also work just fine.

If “Dear” feels a bit too stiff, try “Hello.” But never use generic salutations like “ To Whom it May Concern ” or “Dear Sir or Madam.”

For more help, read these rules for addressing your cover letter and a few tips for how to find the hiring manager .

Step 4: Craft an opening paragraph that’ll hook your reader

Your opening sets the stage for the whole cover letter. So you want it to be memorable, friendly, conversational, and hyper-relevant to the job you’re pursuing.

No need to lead with your name—the hiring manager can see it already. But it’s good to mention the job you’re applying for (they may be combing through candidates for half a dozen different jobs).

You could go with something simple like, “I am excited to apply for [job] with [Company].” But consider introducing yourself with a snappy first paragraph that highlights your excitement about the company you’re applying to, your passion for the work you do, and/or your past accomplishments.

This is a prime spot to include the “why” for your application. Make it very clear why you want this job at this company. Are you a longtime user of their products? Do you have experience solving a problem they’re working on? Do you love their brand voice or approach to product development? Do your research on the company (and check out their Muse profile if they have one) to find out.

Read this next: 30 Genius Cover Letter Openers Recruiters Will LOVE

Step 5: Convey why you’d be a great hire for this job

A common cover letter mistake is only talking about how great the position would be for you. Frankly, hiring managers are aware of that—what they really want to know is what you’re going to bring to the position and company.

So once you’ve got the opening under wraps, you should pull out a few key ideas that will make up the backbone of your cover letter. They should show that you understand what the organization is looking for and spell out how your background lines up with the position.

Study the job description for hints . What problems is the company looking to solve with this hire? What skills or experiences are mentioned high up, or more than once? These will likely be the most important qualifications.

If you tend to have a hard time singing your own praises and can’t nail down your strengths , here’s a quick trick: What would your favorite boss, your best friend, or your mentor say about you? How would they sing your praises? Use the answers to inform how you write about yourself. You can even weave in feedback you’ve received to strengthen your case (occasionally, don’t overuse this!). For example:

“When I oversaw our last office move, my color-coded spreadsheets covering every minute detail of the logistics were legendary; my manager said I was so organized, she’d trust me to plan an expedition to Mars.”

Step 6: Back up your qualifications with examples and numbers

Look at your list of qualifications from the previous step, and think of examples from your past that prove you have them. Go beyond your resume. Don’t just regurgitate what the hiring manager can read elsewhere.

Simply put, you want to paint a fuller picture of what experiences and accomplishments make you a great hire and show off what you can sashay through their doors with and deliver once you land the job.

For example, what tells a hiring manager more about your ability to win back former clients? This: “I was in charge of identifying and re-engaging former clients.” Or this: “By analyzing past client surveys, NPS scores, and KPIs, as well as simply picking up the phone, I was able to bring both a data-driven approach and a human touch to the task of re-engaging former clients.”

If you're having trouble figuring out how to do this, try asking yourself these questions and finding answers that line up with the qualifications you’ve chosen to focus on:

• What approach did you take to tackling one of the responsibilities you’ve mentioned on your resume?
• What details would you include if you were telling someone a (very short!) story about how you accomplished one of your resume bullet points?
• What about your personality, passion, or work ethic made you especially good at getting the job done?

Come up with your examples, then throw in a few numbers. Hiring managers love to see stats—they show you’ve had a measurable impact on an organization you’ve worked for. Did you bring in more clients than any of your peers? Put together an impressive number of events? Make a process at work 30% more efficient? Work it into your cover letter!

This might help: How to Quantify Your Resume Bullets (When You Don't Work With Numbers)

Step 7: Finish with a strong conclusion

It’s tempting to treat the final lines of your cover letter as a throwaway: “I look forward to hearing from you.” But your closing paragraph is your last chance to emphasize your enthusiasm for the company or how you’d be a great fit for the position. You can also use the end of your letter to add important details—like, say, the fact that you’re willing to relocate for the job.

Try something like this:

“I believe my energy, desire to innovate, and experience as a sales leader will serve OrangePurple Co. very well. I would love to meet to discuss the value I could add as your next West Coast Sales Director. I appreciate your consideration and hope to meet with you soon.”

Then be sure to sign off professionally , with an appropriate closing and your first and last name. (Need help? Here are three cover letter closing lines that make hiring managers grimace, plus some better options .)

Step 8: Reread and revise

We shouldn’t have to tell you to run your cover letter through spell-check, but remember that having your computer scan for typos isn’t the same as editing . Set your letter aside for a day or even just a few hours, and then read through it again with fresh eyes—you’ll probably notice some changes you want to make.

You might even want to ask a friend or family member to give it a look. In addition to asking them if they spot any errors, you should ask them two questions:

• Does this sell me as the best person for the job?
• Does it get you excited?

If the answer to either is “no,” or even slight hesitation, go back for another pass.

Cover letter examples

Here are four example cover letters that follow the advice given above. Keep in mind that different situations may require adjustments in your approach. For instance, experienced job seekers can emphasize accomplishments from previous roles, while those with less experience might highlight volunteer work, personal projects, or skills gained through education.

Example #1: Cover letter for a job application

Alia Farhat San Francisco Bay Area [email protected] 444-000-1111

Hello Danny Tanaka,

If I’m being honest, I still haven’t fully gotten over the death of my first Tamagotchi pet when I was six years old. (His name was Tommy, and I’ve gotten far more creative since then, I promise.) When I was older, I discovered NeoPets and I was hooked for years—not just on the site, but on the community that surrounded it. So when I heard about FantasyPets last year, I immediately started following news about your development process, and that’s how I saw your post looking for a marketing strategist. Not only do I have eight years of experience in digital marketing, but as a lifelong gamer with a passion for pet-focused titles who’s spent years in online communities with like-minded people, I also know exactly what kind of messaging resonates with your target audience.

You’re looking for someone to help you craft a social media marketing campaign to go along with your game launch, and I’ve been a part of three launch-day marketing campaigns for mobile and web-based games. In my current role as social media manager at Phun Inc., I proposed a campaign across Twitter, Instagram, and TikTok based on competitor research and analysis of our social campaigns for similar games to go along with the launch of the mobile game FarmWorld. Using my strategy of featuring both kids and adults in ads, we ended up driving over one million impressions and 80k downloads in the first three months.

I’ve always believed that the best way to find the right messaging for a game is to understand the audience and immerse myself in it as much as possible. I spend some of my research time on gaming forums and watching Twitch streams and Let’s Plays to see what really matters to the audience and how they talk about it. Of course, I always back my strategies up with data—I’m even responsible for training new members of the marketing team at Phun Inc. in Google AdWords and data visualization.

I believe that my passion for games exactly like yours, my digital marketing and market research experience, and my flair for turning data into actionable insights will help put FantasyPets on the map. I see so much promise in this game, and as a future player, I want to see its user base grow as much as you do. I appreciate your consideration for the marketing strategist role and hope to speak with you soon.

Alia Farhat

Example #2: Cover letter for an internship

Mariah Johnson

New York, NY [email protected] 555-000-1234

Dear Hiring Manager,

I am excited to submit my application for the software development internship at Big Tech. As a student at New York University majoring in computer science with a keen interest in social studies, I believe I would be a good fit for the role. Big Tech's mission to promote equality and a more sustainable world is deeply inspiring, and I would be thrilled to contribute to this mission.

In a recent hackathon, I demonstrated my ability to lead a team in designing and developing an app that directs members of a small community to nearby electronics recycling centers. My team successfully developed a working prototype and presented it to a panel of industry experts who awarded us second place.

I’ve also been an active volunteer at my local library for over four years. During this time, I organized book donation drives, led book fairs, and conducted reading sessions with children. This experience strengthened my presentation and communication skills and confirmed my motivation stems from supporting a good cause. I would be more than happy to bring my passion and dedication to an organization whose mission resonates with me..

Through these experiences, along with my coursework in software engineering, I am confident I am able to navigate the challenges of the Big Tech internship program. I look forward to the opportunity to speak with you about my qualifications. Thank you for your consideration.

Example #3: Cover letter with no experience

Sarah Bergman

Philadelphia, PA [email protected] 1234-555-6789

Dear Chloe West,

I’m excited to apply for the entry-level copywriting position at Idea Agency. As a recent graduate from State University with a major in mass communications, I’m eager to delve deeper into copywriting for brands, marketing strategies, and their roles in the business world.

Over the past two years, I’ve completed courses in creative writing, copywriting, and essentials of digital marketing. I’ve also been actively involved in extracurricular activities, creating content and promoting student events across multiple online platforms. These experiences expanded my creativity, enhanced my teamwork skills, and strengthened my communication abilities.

As an admirer of your visionary marketing campaigns and Idea Agency’s commitment to sustainability, I’m enthusiastic about the prospect of joining your team. I'm confident that I can contribute to your future projects with inventive thinking and creative energy.

I welcome the opportunity to discuss my qualifications further. Thank you for considering my application.

Best regards,

Example #4: Career change cover letter

Leslie Smith

Chicago, IL [email protected] 111-222-3344

Dear Paul Jones,

Over the past year, I’ve volunteered to represent my company at a local fair and there I discovered how much fun working face to face with clients would be. Everytime I sold a product for The Solar Company, I often wished it was my full-time job. Now, I'm excited to submit my application for the sales coordinator position with Bloom Sales.

After completing a degree in business administration, I decided to put my outgoing personality and strong communication skills to work as a sales specialist at The Solar Company. I’ve sharpened my presentation and critical thinking skills in client meetings and sourced more than $20,000 in new partnerships. This experience has given me an invaluable foundation, and now I’m confident it's the time to move business administration to sales coordination.

I’m comfortable seeking out new business opportunities, making cold calls, and selling potential clients on the advantages of Bloom Sales products. I attend an average of 10 in-person meetings a week, and interacting with a lot of different personalities is what excites me the most. As a detail-oriented, tech-savvy professional, I have advanced knowledge of Excel and data analysis.

I would love to learn more about your sales strategy for the second semester and discuss how my experience in business administration and client-facing sales exposure would help Bloom Sales achieve its goals. Thank you for your consideration.

Extra cover letter examples

• Pain point cover letter example
• Recent graduate cover letter example
• Stay-at-home parent returning to work cover letter example
• Sales cover letter example
• Email marketing manager cover letter example
• No job description or position cover letter example (a.k.a., a letter of intent or interest)
• Buzzfeed-style cover letter example
• Creative cover letter example (from the point-of-view of a dog)

Bonus cover letter tips to give you an edge over the competition

As you write your cover letter, here are a few more tips to consider to help you stand out from the stack of applicants:

• Keep it short and sweet: There are always exceptions to the rule, but in general, for resumes and cover letters alike, don’t go over a page. (Check out these tips for cutting down your cover letter .)
• Never apologize for your missing experience: When you don’t meet all of the job requirements, it’s tempting to use lines like, “Despite my limited experience as a manager…” or “While I may not have direct experience in marketing…” But why apologize ? Instead of drawing attention to your weaknesses, emphasize the strengths and transferable skills you do have.
• Strike the right tone: You want to find a balance between being excessively formal in your writing—which can make you come off as stiff or insincere—and being too conversational. Let your personality shine through, for sure, but also keep in mind that a cover letter shouldn’t sound like a text to an old friend.
• Consider writing in the company’s “voice:” Cover letters are a great way to show that you understand the environment and culture of the company and industry. Spending some time reading over the company website or stalking their social media before you get started can be a great way to get in the right mindset—you’ll get a sense for the company’s tone, language, and culture, which are all things you’ll want to mirror—especially if writing skills are a core part of the job.
• Go easy on the enthusiasm: We can’t tell you how many cover letters we’ve seen from people who are “absolutely thrilled for the opportunity” or “very excitedly applying!” Yes, you want to show personality, creativity, and excitement. But downplay the adverbs a bit, and keep the level of enthusiasm for the opportunity genuine and believable.

The bottom line with cover letters is this: They matter, much more than the naysayers will have you believe. If you nail yours, you could easily go from the “maybe” pile straight to “Oh, hell yes.”

Cover letter FAQs (a.k.a., everything else you need to know about cover letters)

• Are cover letters still necessary?
• Do I have to write a cover letter if it’s optional?
• Can I skip the cover letter for a tech job?
• What does it mean to write a cover letter for a resume?
• How can I write a simple cover letter in 30 minutes?
• How can I show personality in my cover letter?
• What should I name my cover letter file?
• Is a letter of intent different from a cover letter?
• Is a letter of interest different from a cover letter?

Regina Borsellino , Jenny Foss , and Amanda Cardoso contributed writing, reporting, and/or advice to this article.

1 Licensed Insurance Agent Cover Letter Example

Licensed Insurance Agents excel at assessing risks, tailoring policies to individual needs, and providing assurance in uncertain situations. Similarly, your cover letter is your chance to assess your own professional strengths, tailor your experiences to the job requirements, and provide assurance to recruiters of your capabilities. In this guide, we'll delve into the best cover letter examples for Licensed Insurance Agents, helping you to craft a persuasive narrative that assures your next employer of your value.

Cover Letter Examples

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The best way to start a Licensed Insurance Agent cover letter is with a compelling opening line that captures attention and demonstrates your understanding of the company's needs. Begin with a brief introduction of yourself, highlighting your relevant experience and state licensure. For example, "As a dedicated Licensed Insurance Agent with a proven track record in increasing client retention and exceeding sales targets, I am excited about the opportunity to contribute to [Company Name]'s commitment to customer excellence." Tailor this introduction to the specific role and company, showing that you've done your research and understand how your skills can benefit their team.

Licensed Insurance Agents should end a cover letter by summarizing their interest in the role and the value they can bring to the company. They should also express their eagerness to discuss their qualifications further in an interview. A professional closing, such as "Sincerely" or "Best Regards," should be used, followed by their name and contact information. It's also important to thank the reader for their time and consideration. For example: "I am excited about the opportunity to bring my unique skills and experience to your team and am confident that I can contribute to your company's success. Thank you for considering my application. I look forward to the possibility of discussing my application with you further. Sincerely, [Your Name]." This ending is polite, professional, and shows enthusiasm for the role, which can help leave a positive impression.

A cover letter for a Licensed Insurance Agent should ideally be about one page long. This length is sufficient to introduce yourself, explain why you're interested in the role, and highlight your most relevant skills and experiences without overwhelming the reader. Remember, hiring managers often have many applications to go through, so it's essential to keep your cover letter concise and to the point. Too long of a cover letter can be off-putting and may not be read in its entirety. On the other hand, a very short cover letter may not provide enough information to intrigue the hiring manager. So, aim for a balanced, one-page cover letter that effectively communicates your value as a potential employee.

Writing a cover letter with no experience as a Licensed Insurance Agent can seem challenging, but it's definitely possible. Here's how you can approach it: 1. Start with a Professional Greeting: Address the hiring manager by name if possible. If you can't find their name, use a professional greeting such as "Dear Hiring Manager". 2. Opening Paragraph: Start by mentioning the job you're applying for and where you found the job listing. Show enthusiasm about the opportunity. 3. Highlight Relevant Skills: Even if you don't have direct experience as a Licensed Insurance Agent, you likely have skills that are relevant. Highlight these in your cover letter. For example, if you have strong communication skills, customer service experience, or are good with numbers, these are all relevant to the role of an insurance agent. 4. Showcase Your Knowledge: Show that you understand the insurance industry and the role of an insurance agent. You can do this by mentioning any relevant coursework, certifications, or training you've completed. If you've passed your licensing exam, definitely mention this. 5. Use Examples: Provide examples of when you've used relevant skills in the past. For example, if you've worked in a customer service role, you can talk about a time when you helped a difficult customer and what the outcome was. 6. Show Enthusiasm: Hiring managers want to see that you're excited about the opportunity. Show enthusiasm for the role and the company in your cover letter. 7. Closing Paragraph: In your closing paragraph, thank the hiring manager for considering your application. Mention that you're looking forward to the possibility of discussing the role further. 8. Professional Closing: End your cover letter with a professional closing such as "Sincerely" or "Best Regards" followed by your name. Remember, the goal of your cover letter is to show the hiring manager why you would be a good fit for the role, even if you don't have direct experience. Highlight your relevant skills, show that you understand the industry, and demonstrate your enthusiasm for the role.

Related Cover Letters for Licensed Insurance Agents

Insurance customer service representative cover letter.

Underwriter Cover Letter

Risk Analyst Cover Letter

Insurance Agent Cover Letter

Loan Officer Cover Letter

Licensed Insurance Agent Cover Letter

Related Resumes for Licensed Insurance Agents

Licensed insurance agent resume example.

Try our AI-Powered Resume Builder

Do I Need a Cover Letter in 2024? Are Cover Letters Mandatory?

During the job-hunting process, you might find yourself asking “do I really need a cover letter?”

And honestly, that’s a very good question.

You might’ve heard a lot of recruiters say that cover letters aren’t nearly as important as the resume. Some recruiters even openly admit that they don’t read cover letters at all.

So, no wonder that you’re confused about whether or not you really need a cover letter.

In this article, we’re going to deep dive into the topic and teach you when you really need a cover letter (and when you don’t).

• Whether you need to include a cover letter in your application (and why)
• When to not include a cover letter with your resume 
• When to really put effort into your cover letter   

Do I Need a Cover Letter For My Resume

Short answer: yes , you should submit a cover letter alongside your resume.

Here’s why:

• Most job openings require you to submit a cover letter. Recruiters might not have the time to read ALL the cover letters they receive, but they will definitely read cover letters if they’re on the fence for a candidate. Besides, even if they never get to your cover letter, failing to submit one when it’s required will be a red flag.
• A cover letter shows that you’ve put in the extra effort. So, even if the recruiters don’t read them, they will know that you really want the job and that you are committed to taking all necessary steps to show you’re worth it.
• A cover letter can set you apart from other candidates. Imagine this scenario: a recruiter is looking at two candidates with the same exact professional background and resume. The difference? One submitted an A++ cover letter that showed exactly why they’re the perfect fit for the job, while the other just copied and pasted an internet template. Which one would you pick? Our point exactly!

The above being said, there do exist a few cases where a cover letter isn’t necessary and a few others where you shouldn't just submit a cover letter, but you should really put in the extra effort to make it memorable!

Ready to go through them?

When Not to Include a Cover Letter

The 3 cases where you don’t need to include a cover letter with your application are:

#1. The job opening doesn’t require one. 

Yeap, in some cases, the job description will specifically instruct you not to submit a cover letter when you’re applying for the position. Needless to say, submitting one regardless of the instructions will not make you a poster child for dedication; it will just show you can’t follow instructions. 

#2. You don’t have the time to customize your cover letters. 

If there’s one thing that’s worse than not submitting a cover letter, is submitting a bad cover letter. What do we mean by bad? An uncustomized cover letter, or a cover letter based on a one-fits-all kind of template that you plan on mass-sending to all the jobs you’re applying for.  

So, if you’re applying to many jobs and you just don’t have the time (or creativity) to write a separate cover letter tailored to each job, then just don’t write one instead of making that cover letter mistake. 

#3. There is no place to upload one on the application platform.

When you’re filling out an online job application, you might notice there is no place to upload a cover letter.

Consider that a clear sign that a cover letter is not required for that particular role.  

When Should You Put Extra Effort to Submit a Cover Letter

Now, as we said, the best practice is to submit a cover letter with your resume for any job, internship, or even internal position that you apply for (unless they explicitly ask you not to). 

That being said, there are a few cases in which you should REALLY submit a cover letter—and put in extra effort to make it significant: 

• You have important information to add. It might be a career gap, the need for a relocation, or a career change - anything, basically, that you can’t go into detail about in your resume. Your cover letter is your chance to explain it (especially if it adds significant value to your application).
• There’s a personal connection/referral. If someone has personally referred you to the company, make sure to acknowledge that in your cover letter. A personal referral means bonus points for your application, so don’t miss out on a chance to mention it.
• You have a link to the company. Did you complete an internship at the company? Or maybe you know the hiring manager or someone higher up the ranks outside of work. No matter the case, be upfront about any link you may have to the company in your cover letter. It will probably do your application good or at least show those reading it that you’re transparent.
• It’s your dream job. Without making it a love letter to the company, use your cover letter to express what this job means to you professionally and how it’ll help you thrive. Passion goes a long way!

6 Tips For a Perfect Cover Letter 

The bottom line? 

Overwhelmingly, a cover letter is an essential part of your job application and you should include one with your resume.

So, as you can imagine, your cover letter should be on par with your resume. Before you start writing your cover letter, here are a few tips to make the process easier for you:

• Keep it short. One page is more than enough when it comes to cover letters. Actually, the optimal length for a cover letter is between 250-400 words long.
• Follow submission instructions. In the job description, look out for specifics on the cover letter format (Word or PDF), fonts and margins, and content (such as which sections or information to include).
• Proofread your cover letter. Once you’re done writing, make sure your cover letter doesn’t have any grammar or spelling mistakes. Use spell check software such as Grammarly to be on the safe side.
• Avoid cliches. Saying you’re a “great team player” or “effective communicator” will get you nowhere. Instead, aim to show it by backing it up with your experience. Think, “I’m a great communicator” versus “I’m a great communicator, having closed 50+ sales per month at my last job.”
• Enhance your personal brand. Opt to use the same fonts, margins, colors, and style in both your resume and cover letter. In this way, you can highlight your personal brand and make more of an impression on the hiring manager.
• Use action verbs . To make your achievements stand out, use action verbs. So, instead of repeating “I was responsible for” or “I was in charge of,” you can use action verbs such as “managed” or “coordinated.”

Do you still have some unanswered questions? Here are the most frequently asked questions on whether cover letters are mandatory.

Do I need a cover letter for a part-time job?

You should follow the same practice with your part-time job application as you would with a full-time one. That means you should definitely submit a strong cover letter with your resume (unless otherwise indicated in the job description).

Do I need a cover letter for an internal position? 

When you apply for an internal position within the company, you should create a cover letter to highlight your experience and professional interest in the position. 

Do I need a cover letter for an internship?

Yes, you should include a cover letter with your resume when you’re applying for an internship. The cover letter should focus on your skills and strengths, your education, and your dedication to the internship program. 

Not sure how to write a cover letter for an internship from scratch? This article will tell you all you need to know!

Do I need a cover letter for an entry-level job?

Yes, an entry-level cover letter is a must.

You might not have many professional or relevant experiences to list on your resume (e.g. you’re a recent college graduate or you’re changing career paths), so the cover letter is where you can convey your enthusiasm and commitment. Plus, you can also (in words) explain how your skills from your university or past career translate into the job you’re applying for. 

Do employers read the cover letter or resume first?

Generally, employers will first read your resume to see if you have the relevant experience or skills for the position. From there, they decide whether your cover letter is worth reading or not.  If you send your cover letter in the body of the email where you have attached your resume, though, the recruiter will probably skim through it before opening your resume.

Keep in mind that in such a case your cover letter should be perfect, especially in terms of spelling and business etiquette. If the recruiter spots a “u r” instead of “you are,” or a smiley face, they might not even get to your resume.    

Want your cover letter to match your resume? We are confident that the hiring manager will appreciate the effort. Do it effortlessly by using Novorésumé's matching cover letter and resume templates !  

Key Takeaways

Well, that was all on whether cover letters are mandatory in 2023. We hope that we answered all your questions on the topic. 

Here’s a quick review of the main things we covered:

• In 98% of cases, you should include a cover letter in your job application. Although recruiters might not always read it, they expect candidates to submit one. A cover letter will considerably boost your chances and set you apart from other candidates with similar backgrounds and resumes.
• Don’t include a cover letter if the job opening specifies it’s not necessary, if you don’t have time to customize it to the position, or if there is no place to upload one in the application platform.
• Put extra effort in your cover letter if you have extra information to add to your resume if you have been personally referred for the job, if you have a link to the company, or if you’re applying to your dream job.

Related Readings: 

• How to Start a Cover Letter
• How to End a Cover Letter
• How to Address a Cover Letter

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Umbrella Insurance – Do I Need It?

You might think your home and auto insurance offer more than enough coverage, but if you’re wrong, one very bad day could wipe out your wealth. That’s what an umbrella policy is designed to prevent.

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Umbrella liability insurance is a type of liability insurance available to individuals and companies protecting them against claims above and beyond the amount covered by their primary policies. If your liability coverage isn't enough to cover the damages of an accident or an incident on your property, a personal umbrella insurance policy kicks in when your other liability underlying limits have been reached. In other words, an umbrella policy can protect you when your automobile or homeowners liability insurance is not enough.

Find the Income to Insure Against Retirement Risks

Keep in mind that an umbrella policy requires you to have a specific amount of underlying coverage on all other policies. In most states, you will need to have a homeowners policy with a minimum of $300,000 in personal liability coverage, plus an auto policy with limits of $250,000 or $500,000 for bodily injury coverage and $100,000 for property damage coverage and uninsured motorist coverage.

When an insured has a liability claim, they are covered up to their underlying policy limits, but any additional amount will be covered by the umbrella policy. The policy can protect future income as well as possibly cover legal fees. For example, if you have a car accident and your current auto policy has liability limits of $300,000 but the claim is $500,000, your personal assets would be at stake for $200,000 if you have no umbrella policy.

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Or, if you are required to have $300,000 worth of liability on your homeowners or car insurance but only have $100,000, but you have a $2 million umbrella policy, you will still be liable for the “doughnut hole” of $200,000 before the umbrella will start paying.

The required limits for underlying policies can vary by insurer, so it's important that you speak with your insurance agent regarding the limits on your primary policies, and determine how they correlate with the umbrella coverage you are considering purchasing.

How is excess liability coverage different from umbrella insurance?

Although you can get excess liability coverage on an existing policy, the main difference between excess liability and an umbrella policy is that the umbrella extends to automobile or other broader protections.

For example, if you only have excess liability on your homeowners policy and then you have a car accident, the excess liability policy on your home will not cover the additional liability for your car accident.

How Much Insurance Should You Get? A Lawyer’s Advice

Umbrella coverage can also extend to other vehicles, boats, personal injury or director/officer liability, depending on the policy. Also, umbrella policies tend to be more cost-effective, because you can spend less on coverage but receive greater insurance protection.

Do I need an umbrella policy?

If you are a high net worth individual — generally someone with $1 million or more in liquid financial assets — or are exposed to more than normal risk, it makes sense to look into this coverage.

• Do you spend a lot of time driving?
• Do you have a boat or RV?
• Do you entertain frequently in your home?
• Do you have a pool?
• Do you have a vacation home?
• Do you have teenagers who have just started driving?
• Do you own a small business?

Umbrella liability is fairly inexpensive and can protect you and your property from lawsuits. If you have assets to protect in the event of a lawsuit, it makes sense to have this type of policy. The policy coverage amounts usually start around $1 million and cost around $150 to $300 per year. They are available in million-dollar increments – each additional million usually costs marginally less. Cost may vary by location, credit history and driving records of the people in your household.

Have you evaluated your current policy recently?

You may already have an umbrella policy in place but as assets grow over the years, you may need to consider raising the limits to cover your current exposure. In general, your policy should be equal to or greater than your net worth.

Note: We are not licensed P&C insurance agents and can only give you a broad overview of the advantages and disadvantages. Please discuss this with your agent before making any changes to your existing policies.

Reasons to Own Life Insurance in Every Decade of Your Life

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA .

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Roxanne Alexander is a senior financial adviser with Evensky & Katz/Foldes Financial handling client analysis on investments, insurance, annuities, college planning and developing investment policies. Prior to this, she was a senior vice president at Evensky & Katz working with both individual and institutional clients. She has a bachelor’s in accounting and business management from the University of the West Indies, she received an MBA at the University of Miami in finance and investments.

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Letter Templates & Example

Sample Letter for Insurance Coverage: How to Write it and Why it’s Important

Are you in need of a sample letter for insurance coverage? Look no further! We understand how daunting the task of drafting a letter for insurance coverage can be, which is why we’ve compiled a variety of examples for you to use and edit as needed.

Whether you’re looking to submit a claim or requesting coverage for a specific medical procedure, our sample letters have got you covered. Don’t let the thought of writing a letter hold you back from getting the coverage you need.

Our easy-to-use templates provide a foundation for your letter, allowing you to focus on the specific details of your situation. From there, you can personalize the language and content to best suit your needs.

Take the stress out of the insurance coverage process and make use of our sample letters today. Your health and wellbeing are important, and we want to make sure you have access to the coverage you need.

The Best Structure for a Sample Letter for Insurance Coverage

Are you in need of insurance coverage? Whether you are looking to secure coverage for yourself, your family, or your business, it is important to draft a well-written insurance coverage letter. But what is the best structure for a sample letter for insurance coverage? Here’s what you need to know.

Firstly, you should start your letter by addressing it to the appropriate party. This could be the insurance company, an agent, or any other relevant party. Be sure to include the date and salutation, such as “Dear Sir/Madam.”

Next, you should introduce yourself and provide relevant background information. This could include your name, age, occupation, and any pertinent details about your health or medical history. You should also briefly explain why you are seeking insurance coverage and what type of coverage you are interested in.

In the main body of your letter, you should provide more detailed information about the type of coverage you are seeking and why you believe it is necessary. This could include information about any medical conditions or pre-existing conditions you have, and how insurance coverage would benefit you and your family or business.

If you have any questions or concerns about the insurance coverage you are seeking, be sure to address them in your letter. This will show that you are proactive and interested in learning more about the coverage options available to you.

Finally, you should conclude your letter by expressing your gratitude for the recipient’s time and consideration. You should also provide your contact information so that the recipient can easily reach you if they have any further questions or need additional information.

In summary, the best structure for a sample letter for insurance coverage should include an appropriate salutation, an introduction providing relevant background information, a main body outlining the type of coverage you are seeking and why, and a conclusion expressing gratitude and providing contact information. By following this structure, you can increase the chances of securing the insurance coverage you need.

7 Sample Letters for Insurance Coverage

Letter for life insurance coverage.

We highly recommend acquiring life insurance coverage for your family. Life is unpredictable, and you can never be ready for unexpected events such as death. Policyholders should consider this type of insurance to have peace of mind and protect their loved ones. With this coverage, the beneficiaries will receive a lump sum payment or payment in instalments after the policyholder’s death, ensuring that your family does not suffer financial hardship.

Please take this matter into consideration and visit our office so we can personalize a policy that will fit your family’s needs.

Letter for Business Insurance Coverage

Dear Business Owner,

We highly recommend opting for business insurance coverage to avoid financial losses from unforeseeable events that you may experience on your business venture. It protects you from property damage, theft, liability claims, and more. With business insurance coverage, business owners can enjoy peace of mind as they concentrate on growing their businesses.

Don’t wait until unforeseen circumstances arise to purchase this coverage. We are confident that we can provide you with the right insurance policy that your business requires.

Best regards,

Letter for Vehicle Insurance Coverage

Hello there!

Nowadays, having a car has become a necessity. However, owning a vehicle comes with significant responsibilities and risks. Getting the right vehicle insurance policy is crucial to ensure that you are always protected from any damages or third-party liability in case of an accident. Without insurance coverage, you would be responsible for any financial losses from an accident resulting in a significant financial burden.

Please consider contacting us to provide you with the most suitable vehicle insurance coverage that will protect you from financial loss in case of unexpected events.

Letter for Health Insurance Coverage

Dear Client,

Your health should always be your top priority. Whether you are young or old, healthy or sick, health insurance coverage is essential to protect yourself from medical bills that can be costly and unexpected. Having this coverage gives you the access to healthcare services that you may require for routine check-ups, diagnosis, and treatment when ill.

Consult with us and we will guide you in selecting the right health insurance policy that suits your specific needs and budget.

Yours truly,

Letter for Home Insurance Coverage

Protect your most significant investment with home insurance coverage. Your home is a valuable asset, and damages from natural disasters, theft, or other events can be costly to repair or replace. Home insurance coverage protects you from financial loss arising from unforeseen circumstances that may happen at any moment.

Kindly get in touch with us to have a deeper understanding of our home insurance coverage policies. We are confident that we can provide you with the coverage you need to protect your home.

Letter for Flood Insurance Coverage

It is crucial to secure flood insurance coverage for homeowners living in flood-prone areas. It protects homeowners from financial loss caused by damages resulting from pets, including storms and flash floods. With this coverage, homeowners can have peace of mind knowing they are protected against such natural disasters.

Take action today and contact us to provide you with the most appropriate flood insurance coverage policy that will prepare you for the worst-case scenario.

Letter for Disability Insurance Coverage

Dear Clients,

Disability insurance coverage is essential, whether you are self-employed or working for a company. It provides you with financial support when illness or injury stops you from earning an income. This type of insurance coverage is an excellent way to maintain your financial security while recuperating from illnesses or injuries that make you unable to work.

Contact us, and we will provide you with the right disability insurance coverage that fits your particular needs and budget.

Tips for Writing a Sample Letter for Insurance Coverage

Insurance coverage is essential for any individual or business. It provides financial protection against unexpected losses or accidents. When writing a sample letter for insurance coverage, you should keep in mind the following tips:

• Be clear and concise: Keep your letter brief and to the point. State your request clearly and provide all necessary details, such as your policy number, date of the incident, and the amount of loss you incurred.
• Provide supporting documentation: Include any relevant documents that support your claim, such as receipts, invoices, police reports, or medical records. This will help strengthen your case and speed up the claims process.
• Use professional language: Even though you may be writing a personal letter, it’s important to maintain a professional tone. Avoid using slang or informal language and be polite and courteous throughout the letter.
• Be specific: If you’re requesting coverage for a specific type of loss or damage, be sure to provide specific details about what happened. This will help the insurance company better understand your situation and determine if you’re eligible for coverage.
• Address the letter properly: Make sure your letter is addressed to the correct department or individual within the insurance company. Check the company’s website or call them to find out who to address your letter to.

In conclusion, when writing a sample letter for insurance coverage, it’s important to be clear, concise, and provide supporting documentation. Using professional language and being specific can also help your case. By following these tips, you’ll increase your chances of getting the coverage you need.

Frequently Asked Questions About Sample Letter for Insurance Coverage What is a sample letter for insurance coverage?

A sample letter for insurance coverage is a letter template that policyholders can use to request coverage and benefits from their insurance company.

Why do I need a sample letter for insurance coverage?

You may need a sample letter for insurance coverage if you have a policy but need to request coverage for a specific medical procedure or service that is not currently covered by your plan.

What should I include in my sample letter for insurance coverage?

Your sample letter for insurance coverage should include your personal information, the medical procedure or service you need coverage for, the reasons why coverage is necessary, and any supporting documentation from your healthcare provider.

How can I make my sample letter for insurance coverage more effective?

To make your sample letter for insurance coverage more effective, be sure to clearly state your reasons for needing coverage, provide any necessary documentation, and use a polite and professional tone throughout the letter.

Will my insurance company automatically approve my request for coverage?

No, your insurance company may not automatically approve your request for coverage. However, submitting a well-written and thorough sample letter can increase your chances of getting the coverage you need.

What should I do if my insurance company denies my request for coverage?

If your insurance company denies your request for coverage, you may want to appeal the decision by submitting additional supporting documentation and a revised sample letter for insurance coverage.

Can I use a sample letter for insurance coverage to request coverage for a pre-existing condition?

Yes, you may use a sample letter for insurance coverage to request coverage for a pre-existing condition. However, be aware that coverage for pre-existing conditions may be limited or subject to certain restrictions.

Thanks for reading!

I hope this sample letter helps you obtain the insurance coverage that you need. Remember, each insurance company may have different requirements and procedures, so it’s best to check with your own insurer for specific details. Don’t hesitate to reach out to me if you have any questions or comments. Be sure to visit again for more helpful articles that can make insurance issues feel less daunting. Take care!

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What’s the purpose of a cover letter?

Your resumé provides hiring managers with an overview of your qualifications, skills and experience. But what is the purpose of a cover letter?

A cover letter is a more personalised introduction, a one-page document that accompanies your resumé when you submit a job application. It’s an opportunity to introduce yourself and elaborate on how your background makes you the ideal applicant for the role.

In this article, we explore the purpose of a cover letter, explain how to write a cover letter , and how to ensure yours stands out.

The cover letter’s purpose

How to write a cover letter.

What is the purpose of a cover letter? A cover letter provides an explanation of your professional history, qualifications and interest in the position. It should be closely tailored to the role you’re applying for and addressed to the hiring manager . It’s a formal introduction of who you are and how you meet the job criteria.

Express your enthusiasm

Use your cover letter as an opportunity to set yourself apart from the other job seekers applying for the same position. Rather than just stating that you’re applying for a role, take your time to explain what excites you about the specific position and company.

It can be a good idea to spend a bit of time researching the organisation’s mission, values and recent projects to demonstrate genuine interest and knowledge. This can also come in handy for the interview round of the application process.

Showcase your skills and experience

Your cover letter shouldn’t just repeat your resumé. Instead, select two to three skills or experiences directly related to the job description. From here, you can use the STAR method (situation, task, action, result) to provide examples demonstrating how you’ve applied these skills and achieved results. Consider quantifying your achievements, if relevant, for example: ‘Increased sales over three months by 20%.’ This helps to illustrate the specific value you can bring to the new role.

Tell your story

Use your cover letter to briefly explain your career path and motivations, connecting them to the position you're applying for. Highlight the relevant soft skills that you might not have captured in your resumé, like leadership, teamwork, problem solving and decision-making. While a cover letter is a great opportunity to provide a little more depth and context around your resumé, it’s important to keep it concise; around three short paragraphs.

Address requirements from the job description

Whether you’re writing your resumé or your cover letter, it’s important to pay close attention to the job description. If it mentions specific details to include, like salary expectations or relevant certifications, be sure to address them in your cover letter. Following instructions demonstrates your attention to detail and ability to follow directions, which are both important qualities for any employer.

When it comes to writing a cover letter , it always helps to have a plan. Here are a few steps to help you turn a blank page into an attention-grabbing cover letter for your next job application.

1. Do your research

Researching the company can take a bit of time, especially if you’re applying at several different places, but it’s essential to understand each company’s culture and values. Using company-specific information allows you to personalise your cover letter to suit not just the role, but the organisation too.

It’s even better if you can show an understanding of the problems the company is trying to solve (their main objectives, like expanding into a new market or getting highly skilled labourers). Highlight the experience you bring to the table to help them overcome these pain points.

2. Focus on the future

Use your cover letter to demonstrate how you can contribute to the company’s future successes. It can help to line up your career aspirations and professional goals with the company’s goals. Ultimately, you want to highlight what you can add to the company.

How to stand out from other applicants

Use your cover letter as an opportunity to set yourself apart from the other applicants. Avoid generic openings and start with a compelling introduction that grabs the reader’s attention. You could mention a specific achievement, a mutual connection or something unique about the company that excites you.

Here are a couple of examples of eye-catching email subject lines and letter introductions:

Subject line: Bringing [specific skill] to your [position] team

Dear [hiring manager’s name],

I am thrilled to apply for the maintenance plumber position at XYZ Corp. With 10 years of experience as a commercial plumber, I am excited about the opportunity to bring my skills and knowledge to your team.

Subject line: Excited to apply for [position] at [company]

As a lifelong admirer of XYZ Corp’s commitment to sustainability, I am excited to apply for the environmental consultant position. I believe my recent project at Green Earth, where I led a team to reduce product carbon emissions by 15%, makes me a perfect addition to your team.

These are good examples of email introductions, because they:

• Connect your abilities to the job ad criteria
• Quantify related achievements
• Show specific skills
• Display professionalism and research skills

Things to avoid

There are also some things you may want to avoid when putting together your cover letter introduction. Here are some examples of what not to write when it comes to your email subject line and introduction.

Example 1: Being vague and generic

Subject line: Excited to apply for the banking consultant position

I am writing to apply for the consultant position as advertised online. I have more than five years’ experience across all areas of commercial banking and believe I could be an excellent addition to your team.

This is an okay introduction, but there are ways it can be improved:

• It should be addressed to a person or the hiring manager
• It can be more specific about past experience
• It should mention the hiring company
• It could include a quantifiable result

Example 2: Being too casual

Subject line: Please Hire Me As You New Night Manager!

Dear Hiring Manager,

I’m an experienced night manager, with nearly two years of experience in luxury five-star hospitality. I’m an international student with a current work visa for working in Australia, and would be grateful if you could consider my application. I am sure I can do well in your company!

There are a few issues with this intro:

• There is a typo in the subject line
• It is too generic about past experience
• It is too casual, especially for a manager-level role
• It doesn’t mention the hiring company
• It should be more concise, i.e. not repetitive or wordy

Emphasise your value proposition

Use your cover letter to identify and articulate your unique strengths . Be sure to connect your skills with the company’s needs to demonstrate the value you could bring to the team.

Convey enthusiasm, but ensure tone is professional

While it’s important to convey your enthusiasm for the position and company, balancing excitement with professionalism is important. For example, replace “I can’t wait to work with you guys” with “I’m eager to bring my skills to your team.” While the first example is too casual, the second example demonstrates your enthusiasm in a professional tone.

Here’s another example of an overly enthusiastic and informal tone, “I’m super excited about this job! I’ve always dreamed of working at XYZ Corp, and I know I’d be amazing in this role!”

Instead, you’d be better off saying, “I am excited to apply for the receptionist position at XYZ Corp. With my strong background in office administration and a passion for customer service excellence, I am eager to contribute to your team.”

Keep it short

Don’t go overboard with your cover letter. Even though your cover letter is meant to provide hiring managers with more information about you and what excites you about the role, it’s important to keep it concise and limit it to a single page.

To help you keep it short and sweet, focus on starting strong with an attention-grabbing introduction and tailor your content to ensure it’s specific and relevant to the role you’re applying for.

Writing a great cover letter is an essential part of the job application process. By tailoring your cover letter to the specific company and role, you’ll be able to highlight the skills, knowledge, and experience that are relevant to the position. Your cover letter plays a big role in whether you’ll get a callback for an interview, so it’s worth investing time and effort into getting it right.

What exactly is a cover letter and how is it different from a resumé?

While a resumé offers a bullet-listed overview of your skills and experience, your cover letter is like a personal pitch to the hiring manager, elaborating on your resumé and providing a little more detail to demonstrate why you’d be a good fit for the position.

Is a cover letter always mandatory when applying for a job?

Cover letters aren’t always a requirement for job applications, but it’s always a good idea to submit one. Not only can including a cover letter improve your chances of getting noticed, but it allows you to set yourself apart from the other applicants and further try to convince the hiring manager why you’re the right fit for the role.

What are the main benefits of including a cover letter with my job application?

Including a cover letter as part of your application can enhance your chances of getting noticed by potential employers. Here are some of the main benefits:

• Provides a personal introduction and good first impression
• Allows you to highlight your most relevant skills and experience for the role
• Demonstrates communication skills
• Shows initiative and effort

How long should a cover letter typically be?

A cover letter shouldn’t be any longer than a single page. Aim for around 250–400 words or three or four paragraphs. The only time you should go over a page in length for your cover letter is if the job description specifically asks for a longer letter.

Should I use a generic cover letter template for all my applications?

There’s no harm in using a cover letter template to guide your cover letter, but it’s essential that you tailor every cover letter to suit the role and company. You should be adjusting your cover letter for each role you apply for.

What kind of information should I include in a cover letter to showcase my skills and experience?

Your cover letter should include details that are most relevant to the position and company you’re applying for. Based on your research, you should be able to identify specific skills, knowledge and experience that would help the company succeed.

Is it okay to mention my salary expectations in the cover letter?

Unless the job description specifically ask that you include your salary expectations in the cover letter, it’s often better to avoid this topic so early in the recruitment process . These types of discussions are better left for the interview.

What are some common mistakes to avoid when writing a cover letter?

You want to make a positive first impression with your cover letter, so here are a few common mistakes to avoid:

• Using generic statements
• Lack of research into the company
• Repeating your resumé without adding anything new
• Being too vague and not providing specific examples
• Focusing on what you want rather than what you can provide to the company
• Ignoring the job description keywords
• Failing to proofread your cover letter before submitting it

Is a cover letter still necessary when applying for jobs online?

Yes, cover letters are still essential to the job application process for many roles. They give you a chance to stand out from the other applicants and fill in potential gaps that aren’t covered by your resumé. Not to mention, including a cover letter demonstrates your initiative and enthusiasm for the role.

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• The Essential Guide to Public Liability Insurance for the Self-Employed

The essential guide to public liability insurance for the self-employed

Sole traders need all the protection they can get. Here’s how public liability insurance can help if the worst happens.

If you’re a sole trader, working as a self-employed professional or a small business owner, you have a lot to think about. Flying solo means juggling your day-to-day work with the additional pressure of running a business. It’s a lot, and it’s easy to let certain things slip, but insurance shouldn’t be one of them. 

As a sole trader, you’re responsible for compensating affected parties if things go wrong – such as someone tripping and injuring themselves in your workplace. Without insurance, a mistake or accident involving the general public could seriously affect your finances. Thankfully, public liability insurance can offer financial protection in this type of situation. It’s something you should consider if :

You work around the public in any way

Clients visit your place of work, whatever that might be

You visit clients at their homes or workplaces

Read on to find out what’s covered by public liability insurance and why it can be an important safety net for sole traders.

Business insurance is a way to protect your company against financial risk if things go wrong.

What is public liability insurance for self-employed people?

Public liability insurance offers financial protection if a member of the public sues you over an injury or damage to their property caused by your company’s activities.

When you operate as a sole trader, you get to enjoy all the profits, but you also take on all the risks personally. If something goes wrong, you can’t push liability onto your business (as you can when running a limited company). You’re personally liable – and your business accounts and personal finances are considered one and the same when it comes to any payouts. If you don’t have the money to cover the costs of any successful claim in your business account, you have to use your personal assets to pay – that includes your house, savings, investments, etc.

Self-employed public liability insurance can offer sole traders an extra level of protection and reassurance to help shield their personal finances if something goes wrong at work. 

What does public liability insurance for self-employed people cover?

Essentially, public liability insurance covers legal and compensation costs incurred if you’re sued by a third party over injury or property damage resulting from your work. Third parties could include:

People who visit your business premises

People you visit in the course of your work

Customers and clients

Attendees and participants of events you’ve organised

Public liability insurance can also help pay for repairing or replacing another party’s damaged property or settling their medical fees. If you work with other self-employed people as part of your job, insurance may also cover you if you’re included in compensation claims made against them.

It’s important to note what’s not covered. Public liability insurance doesn’t cover:

Any harm to your staff or equipment 

General fines or penalties 

The cost of correcting faulty work or products

If these are situations your business could face, you might need additional cover (see the What insurances do I need as a sole trader? section below).

Do I need public liability insurance if I am self-employed?

As with most other insurance, there’s no legal requirement to hold public liability insurance if you’re self-employed. However, it could be worth buying cover if you want to protect yourself and your finances against all eventualities. It depends on your line of work, and whether you interact with the public or not.

Bear in mind that public liability insurance for a sole trader can also be helpful in other ways. Trade bodies may require it as a condition of acceptance, for example. It also demonstrates stability to potential clients, which in turn helps you to get new work. Organisations like local councils and large businesses usually avoid using self-employed people if they don’t have an adequate level of public liability insurance.

How much is public liability insurance for self-employed people?

The cost of public liability insurance depends on several factors. 

Level of cover: Most policies allow you to opt for between £1 million and £10 million of public liability cover. This figure is the most your insurer will pay out for a claim. The more cover you have, the higher your premium will be.

Client or trade needs:   At times, it’s not up to you to decide how much cover you need. If relevant trade bodies or clients specify a minimum level, you must match it. The minimum for working with local authorities, for example, is usually £5 million.

Your level of risk: If you rarely work with the public, or your work is unlikely to cause injury or damage, your insurer might consider you to be a low risk and charge less.

Your insurance provider: Some insurers assess risk differently, and some prefer to work with specific kinds of businesses, so it’s worth shopping around to compare your options.

Public liability insurance, like any business insurance , counts as an allowable tax expense. That means you can deduct the cost of insurance when you work out your taxable profit.

How to get public liability insurance for self-employed people

Most insurance companies allow you to apply for public liability insurance online, and the majority of these offer you an instant quote once you’ve filled in an application. This helps you understand the cost before you buy the policy.

Don’t just think about the price. Check as many insurers and policies as you can to find the one that works for you. Think about cover level and policy specifics to find the one that best fits your needs. 

Although it may be tempting to spend less, be careful not to underinsure yourself. Relying on a policy that doesn’t meet your needs can be just as damaging as having no insurance at all.

What insurance do I need as a sole trader?

In terms of the law, sole traders only need insurance if they employ people or use vehicles, in which case they need employers’ liability insurance and suitable vehicle cover, such as van insurance . However, depending on the type of business you run, you may be interested in other types of self-employed insurance to give your business even greater protection. 

For example, you could think about business interruption insurance , which protects you if unexpected events, such as a fire or flood, disrupt your business operations. And if you’re unable to work due to illness or injury, income protection insurance can, in some cases, protect your cash flow with a regular income until you’re back on your feet. 

Depending on your business, you may also need:

Employers’ liability insurance: If you employ people who aren’t close family members, you must have at least £5 million of employers’ liability insurance .

Commercial van insurance: It’s a legal requirement for vehicles which use public roads to have insurance. If you have a work van, specialised van insurance covers you where private vehicle insurance does not.

Professional indemnity insurance: If you are sued for negligent work, professional indemnity insurance helps cover any compensation you have to pay.

Product liability insurance: If you supply, design or create a product which injures a customer or their property, product liability insurance can cover financial claims made against you. Public liability insurance sometimes covers issues caused by your products, but not always.

Related guides

• What insurance do I need for my business?
• How much does business insurance cost?
• What is business insurance?
• Insurance for startups: A guide to protecting your business
• What is public liability insurance?
• What is employers' liability insurance?
• What is professional indemnity insurance?

About Alex Cox