Carrier masking

Updated July 11, 2026

Every priced proposal ProClose builds hides the carrier's name from the client. Where a real declarations page would say "Underwritten by Frontier E&S" or name a specific surplus lines market, the deck instead reads:

"A-rated specialty company"

This isn't a placeholder waiting to be filled in. It's a deliberate, automatic rule applied to every priced proposal, every time.

#Why agencies sell carrier-blind

The client is buying coverage and the agency relationship, not a carrier name. What actually matters to them is that the risk is properly placed, the terms are right, and someone is on their side if a claim comes in. The carrier behind the placement is a means to that end, not the thing being sold.

Masking the carrier also protects the agency's market. A proposal that names the carrier outright is a proposal that can be forwarded to a competing agency, who can then shop that exact market on the client's behalf. Once a specialty or surplus lines market is named, it stops being an edge, it becomes public information the client can shop with anyone. Keeping the carrier name off the deck keeps your market relationships yours.

This is also why the deck presents coverage, price, and terms clearly, while the "who" behind the paper stays with the agency. That's the value an independent agency brings: access to markets the client can't reach directly, and the judgment to place the risk with the right one.

#What the client sees

Everywhere a carrier name would otherwise appear on the deck, in the side-by-side comparison against a current policy, on any coverage or premium slide, in every export, the masked phrase takes its place. This is enforced the same way everywhere the deck's content is generated, so there's no export format or slide where the real name accidentally slips through, not the printed PDF, not the downloaded HTML, not the downloaded Markdown.

#What you see internally

You, the agent building the proposal, still see the real carrier name. It shows up in a few places, all internal, none of them ever reaching the client:

  • While a proposal is building, the processing screen briefly shows the parsed carrier name to you, confirming what was read and that it's being hidden on the deck.
  • In the pre-build options step, see The pre-build options step, the vault market check can name the carrier or market when it checks your Vault appetite guide for a match, see The appetite guide.
  • The vault market check itself, run against your Vault's preferred markets by class, uses the real carrier name to look for a match. That match, and any contact info on file, is shown to you as part of deciding what to recommend, never as client-facing copy.

Think of it as two audiences with two different views of the same proposal: you get the full picture, including who's actually underwriting the risk, and the client gets a clean, professional deck that keeps the focus on coverage and value.