The full lifecycle service: new business quoting and submission prep, plus the 90-day renewal workflow that turns retention into a system. Producers stay focused on selling. Policies bind on time. Renewals close without last-minute scrambling.
Most agencies treat renewals as a 30-day fire drill. That's the version where the producer is calling the underwriter at 5pm on the bind date asking for one more day. The 90-day version is calmer, more profitable, and produces better relationships with both carriers and clients.
Pull the existing policy, payroll, sales, and exposure data. Compare year-over-year changes. Confirm with the producer or insured what's changed in the operation — new vehicles, new locations, new types of work, employee count shifts. Loss runs requested from incumbent carrier.
Read the loss run like an underwriter would: frequency vs severity, open vs closed reserves, any patterns. Write a one-paragraph claims narrative that frames the year for the underwriter before they form their own frame.
Build complete submission packets with cover letter, narrative, current ACORD applications, supplementals, three years of loss runs, and any underwriter-requested documentation. Quote with incumbent first; identify two or three competitive markets to shop in parallel.
Receive quotes, compare side-by-side: premium, deductibles, coverage forms, exclusions, endorsements. Build a clear comparison summary the producer can walk through with the insured. Flag any meaningful coverage gaps or improvements.
Producer meets with the insured to walk through options. I prepare the materials, sit in if helpful, and follow up with whichever direction the insured chooses. Notes captured in the AMS.
Bind orders sent to the chosen carrier. Binders received and reviewed. Certificates issued to all required parties. Policy issued, audited for accuracy, and delivered. Calendar set for next year's 90-day clock.
Complete, underwriter-ready submission packets with narrative cover letters that explain the year in one paragraph.
Side-by-side analysis of competing quotes, with coverage gaps and material differences flagged in plain English.
Frequency, severity, and reserve analysis. The story the numbers tell, written for both producers and clients.
Account-by-account 90-day schedule, automated reminders, and accountability tracking. Nothing slips.
Direct communication with underwriters on submissions, declinations, and back-and-forth. Producers stay focused on the close.
Every conversation, every change, every endorsement logged in your AMS to your standards. Audit-clean records.
Pick the shape that matches where your book actually hurts. All three tiers run the same 90-day workflow above; what changes is depth and ownership.
Pricing is upon request and scales to book volume, complexity, and the AMS you run. I plug into the agency management systems, CRMs, COI portals, and carrier portals you already use.
Most engagements start with a 15-minute conversation about your book — size, carriers, AMS, where the friction lives. From there, we’d pick a small starter slice and prove the workflow before scaling into something steadier.
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