Brokers: the 120/90/60/30 renewal cadence
5 min read
The industry standard: work renewals on a clock, not on a reminder. Most agencies run some version of a 120/90/60/30-day cycle so exposure changes, marketing decisions, and quote delivery each have their own window.
How it works here: renewal dates are already in the system from the documents you filed, and reminders fire before each window closes.
- 1
120 days — update the exposure
Standard: reconfirm operations, payroll, vehicle and property schedules, and any new entities or contracts. Here: request updated documents from the client in-app so the request and the response stay attached to the file.
- 2
90 days — make the marketing decision
Standard: decide whether you are remarketing or negotiating the renewal, and document why. Here: open a quote comparison for the account and add the expiring policy as the baseline column.
- 3
60 days — collect and compare quotes
Standard: have quotes in hand early enough to question a term rather than accept it. Here: upload each quote as it arrives; extraction runs and the comparison grid fills in as they land.
- 4
30 days — deliver and get a decision
Standard: present the options and record the client's choice before expiration week. Here: share the comparison so the notification, the grid, and the decision thread are all on the record.
- 5
Post-bind — close the loop
Standard: file the bound policy and reconcile it against what was quoted. Here: upload the bound policy into the same line-of-business folder and share it, so the client's account matches what was actually purchased.
Good to know
- • The bound policy check-against-quote step is where errors are cheapest to fix — do it every time.
- • Reminder emails go out before expiration; treat them as the backstop, not the process.
Keep learning
Quote comparisons: put renewal and new quotes side by side
Brokers upload competing quotes, the AI builds a comparison grid, and clients review it in their own account.
Brokers: onboard a client and hand off their policies
Invite a client, file their documents in advance, and have everything appear the moment they sign up.
Agency teams: run a shared book across producers and staff
Create an agency, invite producers and CSRs with the right seat, and work one shared book instead of separate logins.