Insurance renewals checked 60 days out

What goes wrong today

Renewals get worked in date order, so the hard ones surface last — at 15 days, when the carrier needs updated values, the client is on holiday, and the only option left is to bind at whatever the carrier offers.

What starts it

• Your agency management system — A policy expiration date falls 60 days from todayDescribed rather than named: we have not verified what this vendor calls the event, and inventing a name would waste your afternoon.
• Email — A carrier renewal notice arrives in the shared mailboxDescribed rather than named: we have not verified what this vendor calls the event, and inventing a name would waste your afternoon.

How it runs

1. 1Daily sweep

   List policies expiring in exactly 60 days.

   ↓
2. 2Score the risk

   Flag anything with a claim in the term, a premium change over your threshold, or a missing schedule.

   ↓
3. 3Assemble the file

   Pull the loss runs, the current schedule, and last year's submission into one place.

   ↓
4. 4Split the list

   Clean renewals go to a simple confirmation. Flagged ones go to a producer with the reason attached.

   ↓
5. 5Producer works the flagged ones

   A person calls the client about the claim, the change, or the missing values.

   a person does this↓
6. 6Track to bound

   Anything not bound at 21 days escalates to a named person, not a queue.

What a person still does

None of this runs unattended. If it did, we would be selling you something else.

• Every conversation with a client about a claim or a premium increase.
• Deciding whether to remarket. The flag says something changed; it never says go to another carrier.
• Checking the assembled file is actually complete before it goes to an underwriter.

Build it yourself

Roughly three to four weeks. Getting data out of an agency management system is most of it.