Renewals worked in the last week
Eleven renewals land in the same fortnight. The information is chased by hand, and two always slip.
See the platform pictureDieses Beispiel wird gerade überarbeitet. Der Text unten ist noch auf Englisch.
Example · Insurance agenciesQuote and renewal agent
The renewal that runs on paperwork, not advice
An agent that gathers the renewal facts, prepares the comparison from appointed carriers, chases what is missing, and hands every recommendation to a licensed person.
Illustrative scenario — not a real client result
Renewal desk · 08:30
- Answered
11 renewals prepared
08:31 · Facts confirmed, documents attached
- Answered
2 comparisons assembled
08:34 · Appointed carriers, published rates only
- Person
“Should I take the cheaper one?”
08:36 · Advice · with a licensed person
Nothing is bound and nothing is sold by the agent
Quote and renewal agent · Insurance agencies
- Sourced facts
- A licensed person advises
- No binding, ever
01 — A typical day
Three small failures that add up.
What insurance agencies owners tell us goes wrong in an ordinary week.
A form completed without the client
Renewal questions get answered on the client's behalf. A wrong answer becomes a denied claim.
See the court recordA recommendation made by an assistant
“This one is cheaper” is advice, and advice has a licence behind it.
See the boundary01 — A typical day · the evidence
What the numbers actually say.
Each figure opens its source, year, sample and limits. Click a badge to check it.
01
Source
Catalyit / Big "I" agency technology survey, summarised by AgentSync
2023
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source63%
of surveyed agencies use a personal-lines quoting platform
Catalyit / Big "I" survey of 469 independent agencies, 2023, as summarised by AgentSync. Platform adoption, not AI adoption.
Catalyit / Big "I" agency technology survey · 202302
Source
Catalyit / Big "I" agency technology survey, summarised by AgentSync
2023
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source95%
reported using an agency management system
The same survey, on a denominator of 465 agencies. Technology in place, not work automated.
Catalyit / Big "I" agency technology survey · 202303
Source
Insurance Journal, Vertafore agency workforce survey
2024
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source15 min
reported for a policy-information search, down from 1–2 hours
Vertafore workforce survey of 1,989 agency professionals, reported by Insurance Journal. Vendor-run and anecdotal.
Insurance Journal · 202402 — What the helper does
From your records to a decision you own.
The agent prepares the renewal: it confirms the facts on file with the client, requests the documents the carrier will ask for, and assembles the comparison from appointed carriers and published rates.
It chases what is missing once, keeps every version of the information, and hands the file to a licensed person with the gaps named.
It never recommends a policy, never binds cover, never takes a payment, and never answers a coverage question with an opinion.
6 steps · 2 decisions you own
Reads from
- Agency management system
- Carrier portals
- SMS
Text version of the flow
- 1. List the renewals — Due date and owner.
- 2. Confirm the facts — Ask, do not assume. Human checkpoint: The client answers for themselves.
- 3. Request the documents — Once, with a deadline.
- 4. Assemble the comparison — Appointed carriers, published rates.
- 5. Stop at advice — Which one, and why. Human checkpoint: A licensed person advises and binds.
- 6. Close the file — Bound by a person.
02 — What the helper does · a simulated example
One simulated example, step by step.
Use the buttons or the left and right arrow keys. Nothing here is a real customer.
Simulated example
Ellison & Rook, a commercial brokerage
Email and portal · 08:30
A brokerage renewing a small property portfolio. The agent prepares the file for a licensed adviser. Every message is simulated; no real client data is used.
Ellison & Rook's renewal assistant. I can gather the information for your renewal and prepare a comparison for your adviser. I can't advise on cover or bind anything.
03 — What you decide
The helper prepares. You decide.
The agent prepares the file. A licensed person advises and binds.
Appointed carriers only
Comparisons use the carriers the agency is appointed with and their published terms, each with a source.
The client answers
Renewal questions go to the insured; an unanswered question blocks the file rather than being filled in.
A licensed person acts
Advice, cover decisions and binding belong to a licensed person, recorded by name and time.
You can pause it
Pause for a line of business, an adviser or the whole agency; renewals fall back to the adviser's list.
Without your approval · No recommendation, no coverage opinion, no binding, no payment — and the client's own answers, recorded as theirs.
04 — What changes when a safeguard is missing
Documented cases, not scare stories.
Three documented cases with their sources. Each is why the agent cannot answer for the client, cannot imply cover, or cannot steer a recommendation.
Cover said to be arranged when it was not
The FCA found that a broker misled a client by saying he had arranged insurance when no cover had been put in place, while retaining the premiums. He was fined and banned.
What the helper would do differently
The agent never states that cover exists. It records what a licensed person bound, when, and with which insurer — and nothing else counts as confirmation.
£17,452.56
premiums retained without cover in place
A renewal form completed without the insured
The court recounted allegations that a broker completed renewal applications without the property owner's input and answered "no" to a question about non-family occupants. After a fire, the insurer denied the claim for material misrepresentation. The decision addressed third-party claims, not a final finding of liability.
What the helper would do differently
Every renewal answer is recorded as the client's, with a timestamp. The agent cannot answer a question on their behalf, and an unanswered question stops the submission.
Claim denied
alleged material misrepresentation after a fire
Steering, and commissions nobody disclosed
Connecticut's attorney general announced a $2.4 million settlement resolving allegations that Marsh rigged bids and steered customers toward insurers paying undisclosed kickbacks, with the state alleging premiums included the kickback costs. It was a civil settlement, not a trial finding.
What the helper would do differently
The comparison shows every carrier the agency is appointed with, and commissions are disclosed. The agent ranks nothing and recommends nothing, so there is no steering to audit.
$2.4M
Connecticut settlement
04 — What changes · the evidence
The rest of the evidence.
Every figure resolves to a source with its sample and limits. No figure without one.
469
independent agencies in the technology survey
Catalyit / Big "I" 2023, 25 states. Sampling and weighting are not described in the summary.
Source
Catalyit / Big "I" agency technology survey, summarised by AgentSync
2023
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source63%
use a personal-lines quoting platform
Same survey. 26% reported a commercial-lines platform.
Source
Catalyit / Big "I" agency technology survey, summarised by AgentSync
2023
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source1,989
agency professionals in the Vertafore survey
2024 workforce survey reported by Insurance Journal. Vendor-run.
Source
Insurance Journal, Vertafore agency workforce survey
2024
Method and sample are recorded in the source registry.
Read the source for its scope and limits.
Open the source
04 — What changes · your week
The same week, two ways.
Drag the handle, or use the left and right arrow keys when it is focused.
Typical month, beforeTypical month, after
Week 1
Renewals are found by scrolling the system.
Week 2
Forms are completed from last year's file without asking the client.
Week 3
Carriers are chased by phone; two renewals slip past the date.
Week 4
The client asks which policy to take and gets an answer nobody licensed gave.
Week 1
Renewal list built with an owner for every file.
Week 2
Clients answer their own questions; unanswered ones block the file.
Week 3
Documents requested once with a deadline; silence escalates.
Week 4
Comparison ready; the adviser recommends and binds, by name.
Illustrative example · not a measured result
05 — Your version
Four questions about your own week.
Keep your answers. They are the brief for the first version we would build for you.
How many renewals fall due in the next three months?
Which facts do you need before you can quote, and where do you get them?
What is missing most often when a renewal stalls?
Which recommendation will always need a licensed person to sign?
Next
Put your own figures into the calculator below. It runs in your browser, and nothing is sent or stored.
Put your week into the calculatorBring the four answers to the free one-hour call. We will use them to sketch the first version, and you keep the written plan either way.
Talk about your business05 — Your version · your numbers
Put your own week into it.
An estimate, not a promise. The model and its assumptions are printed below.
Your inputs
All lines, all advisers.
count
Chasing facts, documents, comparisons.
min
Clients or carriers who do not reply first time.
%
Account handler time.
per hour
Be honest about the crunch.
count
Example defaults are typical for a small business. Replace them with yours. Nothing is stored, sent or shared.
Estimated result
IllustrativeAdviser hours back each month
0–0
- Time released at your rate
- £0–£0
- Files prepared before the adviser starts
- 0–0%
- Time to a complete renewal file
- Already immediate
How we calculated this
Routine work handled by the helper: 70% of the share you marked routine.
Time saved per item: 80% of the minutes you entered.
Monthly volume: weekly figures × 4.33; monthly figures used as entered.
Cost: hours saved × your staff cost per hour, in pounds as an illustration.
Reply time: routine items move within the hour while the helper runs. Complex work still waits for a person.
Questions
The things people ask next.
No. It prepares the comparison from appointed carriers. A licensed person makes the recommendation and records it.
No. Binding and payments are a licensed person's actions. The agent records who bound the cover and when.
No. Questions go to the insured and their answers are recorded as theirs, with a timestamp. An unanswered question blocks the submission.
It covers the carriers the agency is appointed with, with published terms and each figure's source. It does not compare against the whole market.
Disclosed in the comparison. The agent ranks nothing, so there is no steering incentive built into the output.
Coverage opinions and claim decisions go to a person. The agent can take the first notification and route it the same hour.
Three to four weeks: carrier appointments, question sets per line, document lists and a parallel run with one adviser.
Start here
Show us a month of renewals.
One hour with last month's renewal list and one carrier portal. We will show you what the agent would prepare, and where a licensed person must take over.