Checking policies at peak renewal

Policy checking is quiet work. It doesn’t win business and nobody notices it when it’s done well. It is also the work that slips first when renewals bunch up, because every other task on an account manager’s list has someone waiting for it.

This post describes the manual process as it typically runs, so the rest of the blog has something concrete to compare against. It is a description of the work, not a survey; your team’s version will differ in the details.

The documents

Document	What it is for in checking
Expiring policy	What the client had. The baseline for every renewal change.
Quote	What the carrier offered and the client chose.
Binder	What was agreed, with its subjectivities. The promise.
Issued policy	What the client keeps. Usually weeks after inception.
Endorsements	Amend the policy: forms added or removed, values changed — including corrective ones.

The manual loop

flowchart TB A["Policy arrives
(PDF in an inbox)"] --> B["Find the binder, quote
and expiring"] B --> C["Read side by side:
dec page, limits, forms"] C --> D{"Anything
different?"} D -->|"yes"| E["Email the underwriter"] E --> F["Wait; remember to chase"] F --> G["Endorsement arrives;
re-read it"] G --> D D -->|"no"| H["Write the client letter"] H --> I["Deliver"] style F fill:#fff4e2,stroke:#e0851f

Three steps in that loop are where the time goes and the risk sits: reading side by side (four documents, each carrier’s wording), waiting and chasing (a request in an email has no due date and no owner other than memory) and re-reading (the corrective endorsement may fix one thing and change another).

What changes with agents

InsightProofing keeps the same loop and changes who does which part. The engines read and compare; the agents explain and draft; the account manager decides what to raise and sends it; the account executive signs the delivery. Every request has a due date and an owner, and an overdue one becomes a signal on a home page.