Commercial renewal review automation that re-reads every account 90 days out and shows what changed
Every renewal priced on this year's losses and exposure, not last year's file.
See one case, screen by screen ↓A renewal solution that re-reads each commercial account 90 days before it expires and shows what changed since it was bound — losses, exposure, fleet, operations, risk engineering and what is known outside the policy file. Each change carries its source and its price effect, so the underwriter sets the renewal price knowing what changed.
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Most of a commercial book is renewals, and most small and lower-middle-market accounts are re-quoted from the expiring file plus a book rate change. Nobody has time to re-read twelve months of endorsements, loss runs, payroll reports and risk engineering surveys for every account in the window, so the file is opened only when a claim flag fires.
Meanwhile the account has moved. Locations and vehicles were added mid-term by service staff and never re-reviewed by underwriting as a whole. A reserve jumped after the loss run was pulled. A sprinkler recommendation has sat open for months. And what happened outside the file — an acquisition, an OSHA citation, a USDOT number — reaches the underwriter only if the broker mentions it, or at the next loss.
Estimated split for one middle-market renewal re-read in full, in hours, by hand and with the solution. Today many renewals are not re-read at all.
Six specialist agents re-read every account 90 days out, inside and outside the file; the underwriter reviews each change and sets the terms.
Harlow Brothers Building Supply, a lumber and building materials distributor in Dayton, Ohio, renews on Jan 1, 2027. It entered the 90-day window on Oct 3. It is Monday, Oct 12 — 81 days to go. Here is what happens, screen by screen, in the working solution.
Renée’s ribbon shows her 47 renewals in the next 90 days, ranked by change. Harlow Brothers is first: 81 days, 10 changes, 2 from outside the file, 0 of 10 reviewed. Its header puts the price on last year’s file — $1,342,400, the expiring $1,284,600 plus a 4.5% book rate — beside the price on this year’s exposure and losses: $1,649,000.
“+22.8% · $306,600 the expiring file misses” — and 22 trucks not priced yet.
Replay the overnight re-read and each agent runs in view. The renewal window agent opened the policy at 90 days with five lines and $1,284,600 of premium. The term reader read 6 endorsements, the August SOV revision and the Sep 30 payroll report. The loss and reserve watcher read the Sep 30 loss run; the risk engineering reader found one recommendation open 214 days.
Outside-the-file agent: “11 outside sources · 2 matches at 0.97 and 0.99 · 3 rejected below 0.85”.
Redline Haulage LLC, acquired May 14, 2026. USDOT 3984417: 22 power units, 26 drivers, a vehicle out-of-service rate of 31% against a national average of 23.2%. Not a named insured, on no auto schedule — but the umbrella follows it. The Ohio Secretary of State filing and the Ohio Builder Dealer News story sit under the change, each with its cited lines.
“Matched to the insured at 0.97. Name, street address and an officer agree with the policy file. Outside facts never change the price on their own — they go to the broker as questions.”
Renée opens the source. The federal motor carrier registration shows for-hire authority, 22 power units, 31.1% vehicle out-of-service, 3 crashes in 24 months, and its own BIPD cover with Garrison Mutual cancellation pending Nov 30, 2026. The margin notes say why each line matters.
“22 power units — none on the Harlow schedule of 41.”
The diff reads like a marked-up document: sales $118.4M to $139.0M, 6 locations and $41.2M TIV to 8 and $52.6M, WC payroll $8.42M to $10.96M, 34 power units to 41, and claim WC-26-0311 reserved at $40,000 in April and $186,000 in August. Each change Renée ticks marks its row on the diff.
Fort Wayne yard and Lima plant: “added mid-term at pro-rata; neither inspected.”
The term timeline lays Jan 1, 2026 to Jan 1, 2027 in four lanes — policy changes, claims and reserves, risk engineering, outside the file — with the 90-day line on Oct 3 and today. The acquisition on May 14, the trade press on May 19 and the OSHA inspection on Jul 22 sit beside Endorsements 1 to 6 and the reserve increase on Aug 21.
Overnight the agent searched 11 sources: 9 matches, 4 rejected. Each match shows its evidence — name, address, officer — and its score: an FDA Class II recall at Kestrel Ridge Foods, a wrongful-death suit naming Calder & Moss Electrical. New this morning: Wendover Plastics announced a second plant in Goshen, matched at 0.91 and not in a renewal yet, with “Add to the renewal” beside it.
Rejected below 0.85, never in a change list: Harlow Building Products Ltd, Ontario, at 0.31 — “Name only.”
Expiring $1,284,600, book rate +$57,800, exposure growth +$176,900, loss experience +$88,400, new operations +$41,300: indicated $1,649,000 before Redline, with the price on last year’s file drawn across it. The brief states the rating plan factors as filed — exposure by line from payroll, sales, TIV and units, experience by the plan’s credibility table, new class 51221 at manual rate.
“Harlow Brothers is not the account we bound.”
Renée sends the referral. The brief and its 10 changes are attached, all 10 reviewed by her. The authority check finds $1,649,000 over her $1.5M authority and +28.4% over the +25% trigger; it goes to Tom Whitaker, due Oct 16. The five questions to the broker, Redline Haulage first, go to Jordan Ellery — not straight to the broker.
“Referred to Tom Whitaker · e-signed by Renée Castellano”
Tom reads the window as a heat grid: losses, exposure, locations, fleet, operations, risk engineering and outside, shaded by size of change. 47 renewals, $38.6M expiring premium, 12 changed materially. The 35 that crossed no materiality line renew on the expiring basis; the ones not fully reviewed say what the file would charge beside this year’s price.
The same account, seen by the four people who carry it to renewal — what their week looked like, and what it looks like now.
Six specialist agents re-read every account 90 days out, inside and outside the file; the underwriter reviews each change and sets the terms.
Opens every commercial policy 90 days before it expires and assembles the expiring terms, premium by line and the bound application. Re-opens a renewal when a new endorsement, loss run or payroll report arrives.
Reads every mid-term endorsement, schedule, statement of values, payroll and audit report, and builds the “now” side of the account — payroll by class, sales, TIV, units, locations and operations.
Compares the current loss run with the one used at the last renewal: new claims, reserve changes of $50,000 or 100% or more, closures and the three-year incurred loss ratio.
Reads the latest survey and the recommendation log, and lists recommendations open more than 90 days, the values they protect and any promised dates missed.
Searches business filings, trade press, OSHA, federal motor carrier records, recalls and court dockets for the insured, its officers, addresses and FEIN, and scores each match.
Ranks the changes, prices them with the filed rating plan’s own factors, and drafts the premium bridge, the recommended actions and the questions to the broker.
Reviews every change; manager signs over authority. The agents propose; a named person decides.
Underwriters can ask about any renewal, change or source — or ask for a draft. Every answer points to the document it rests on.
Why is Harlow Brothers at the top of my window?
It changed more than any other renewal: 10 changes, 2 from outside the file. Payroll is up 30.2%, TIV up 27.7% with two new locations, the WC reserve on WC-26-0311 went from $40,000 to $186,000, and in May it bought Redline Haulage, a for-hire carrier with 22 tractors. On last year’s file it would renew at $1,342,400; this year’s data says $1,649,000.
What do we know about Redline Haulage?
Three sources agree, match 0.97. The Ohio Secretary of State filing of May 14 makes Harlow Brothers sole member, with Daniel P. Harlow as statutory agent at the insured’s own address. Ohio Builder Dealer News, May 19: “Redline runs 22 tractors and will keep its DOT authority.” USDOT 3984417: 22 power units, 26 drivers, vehicle out-of-service rate 31.1% (national 23.2%), 3 crashes in 24 months, its own auto cover cancelling Nov 30. None of its trucks are on our schedule of 41.
Which renewals would go out on last year’s file?
7 of the 12 changed renewals still have changes nobody has reviewed: Harlow Brothers, Ambrose Precision, Bellweather Senior Living, Northfork Cold Storage, Calder & Moss Electrical, Wendover Plastics and Granger Street Dental. Together they carry $538,200 of premium the expiring file misses — Harlow Brothers alone is $306,600. The other 35 renewals in the window crossed no materiality line.
Draft the broker questions for Harlow Brothers
Five questions, Redline Haulage first, each tied to its source: named insured status and the Nov 30 cancellation, for-hire revenue, the Lima plant and the OSHA citations, rec 26-04, and MVRs for nine new drivers. They go to Jordan Ellery, not straight to the broker.
12 screens from the working solution, on its sample data. Pick one to see it large.
How far out a renewal opens, what counts as a change, which outside sources are searched and who decides are settings.
| Setting | Default | Choose from |
|---|---|---|
| Open a renewal | 90 days out | 60 · 90 · 120 days |
| Re-read | Every night at 05:00, and when an endorsement, loss run or payroll report arrives | On · off; again 30 days out |
| Payroll or sales change that counts | ±10% | Your threshold |
| Reserve change on one claim | ≥ $50,000 or ≥ 100% | Your threshold |
| Risk engineering recommendation open | > 90 days | Your threshold |
| Show an outside match at | 0.85 | 0.80 · 0.85 · 0.90 |
| Underwriter authority, per account | $1,500,000 premium | Your authority grid |
| Refer when the change is over | +25%, or any new operation class | Your referral trigger |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample renewal data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Accenture and The Institutes, P&C underwriter survey — about 40% of underwriter time on non-core and administrative work). The national vehicle out-of-service average of 23.2% is the national average shown on FMCSA SMS carrier profiles. People, companies, policies and figures named on this page are fictional — characters and sample data in the working solution.
A renewal solution that re-reads each commercial account 90 days before it expires and shows what changed since it was bound — losses, exposure, fleet, operations, risk engineering and what is known outside the policy file. Each change carries its source and its price effect, so the underwriter sets the renewal price knowing what changed.
Six agents read the expiring terms, every mid-term endorsement, the statement of values, payroll and audit reports, loss runs and reserve history, survey reports and the recommendation log, and outside sources. Changes over your materiality lines — for example payroll or sales ±10%, a reserve change of $50,000 or 100% — are laid beside the expiring account, row by row.
It is what public sources say about the insured that the policy file does not: state business filings, trade and local press, OSHA inspections, federal motor carrier registrations, recalls and court dockets, matched by name, address, officers and FEIN. A match under 0.85 never enters a change list. An outside fact never changes the price on its own — it becomes a question to the broker.
The renewal brief writer prices each change with the filed rating plan’s own factors and shows a premium bridge: expiring premium, book rate, exposure growth, loss experience and new operations, to an indicated premium, with every factor it used stated in the brief. The underwriter sets the terms.
No. The agents read, cite and propose. They never quote, bind, change a policy or send anything to the broker or the insured. Broker questions are drafted for the underwriter to edit and go through the account executive.
Yes. The underwriter reviews every change and sets the renewal terms within authority. A renewal over the authority or the referral trigger — $1.5M premium or +25% in the working solution — goes to the regional underwriting manager for sign-off, with the brief and the sources attached.
Yes. When a renewal opens (60, 90 or 120 days), when it is re-read, what counts as a change, which outside sources are searched, the match score shown, underwriter authority, the referral trigger and who receives referrals, broker questions and re-inspection requests are all settings.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your rating plan, underwriting guidelines and a sample of upcoming renewals — and it goes live once every quality gate has passed. We will walk you through it on your own renewals first.
Submissions ready to price the same day, poor fits declined in minutes.
1-min demoLoss Run Analysis AutomationLoss summaries in minutes, not an hour per account, each claim traced.
1-min demoSchedule of Values ValidationEvery location geocoded and its COPE gaps flagged before the property is priced.
1-min demoWe’ll run Commercial Renewal Review Automation on a sample of your own upcoming renewals.