Renewal management for commercial lines brokers: every renewal on a 120-day runway, with its real landing date in view
Every renewal started 120 days out, with no late or rushed placements.
See one case, screen by screen ↓Software that runs each commercial renewal as a project with dates: refreshing exposures and loss runs, reading the incumbent's offer, deciding whether to remarket, sending submissions, comparing quotes with the expiring program and getting the client's sign-off before expiry. Renewal & Remarketing Management opens every renewal 120 days out and has six agents do the chasing, reading and drafting.
How to choose AI solutions for insurance →
Updated
Every commercial account renews every year, and every renewal is a small project: a fresh statement of values, payroll and vehicle schedule, five years of loss runs, the incumbent's renewal offer, a decision line by line to renew or remarket, submissions, quotes, a client proposal and a sign-off before expiry. In most agencies that project lives in the renewal list, a spreadsheet and the account manager's inbox.
Reminders fire on fixed dates, so nobody sees a renewal drifting until it is late. The controller is on leave and the exposure update arrives four weeks behind; a market asks for a new survey; the incumbent releases its offer late. By the time the account manager notices, the quotes come in days before expiry, the better terms are gone, and a sublimit or exclusion that quietly fails to match the expiring program slips into the bind.
Estimated days late per step for a typical middle-market renewal, by hand and on the runway.
Six specialist agents run every renewal and forecast where it will land; the account executive decides what to remarket.
Kessler Ridge Foods renews on Tue 1 December: $539,400 across property, GL, auto, umbrella and cyber. It is Monday 12 October, 50 days out. Here is what happens next, screen by screen, in the working solution.
Nina opens the runway: 12 renewals in the next 120 days, $3,017,700 of premium, every one opened at 120 days. Each renewal is a row on one shared scale, so all the expiry dates line up on one red line. The diamond on each row is not the plan — it is where that renewal will bind at today's pace. Seven replies came in overnight and are not in the forecast yet.
“Each runway: 120 days out on the left, its expiry on the shared red line, 20 days of overrun on the right.”
Nina applies the overnight replies. The Pace forecaster reads seven market replies and two client emails and re-lands every renewal. Ostrander Logistics' incumbent offer is in at +2.9%, inside the trigger, so it renews. Kessler Ridge Foods slides from 27 Nov, 4 days to spare, to 7 Dec — past its expiry — and turns red.
“Forecast updated · Kessler Ridge Foods now lands 6 days past expiry.”
The account shows the full runway with its nine milestones. The exposure update came in on 30 Sep, 28 days late, and the incumbent offer on 2 Oct. The landing is a chain anyone can check: submissions out Thu 8 Oct, plus 30 days of market turnaround, 7 to compare and negotiate, 3 for the proposal, 13 for client review and 7 to bind and issue binders — Mon 7 Dec.
“The marker is where this renewal binds at its current pace — not the plan.”
Why is Kessler being remarketed at all? Granite Shore Mutual's property offer is up 25.0%: 9.5% in rate and 16.4% in insured values, to $79.6M with the new Building 4. Six peer food and cold-storage renewals in the book fell a median 3.8%. Northpoint offers only $5M of the expiring $10M umbrella. Tom recorded the decision — remarket property, split the umbrella, renew GL, auto (counter at $124,050) and cyber.
“Recorded before the first submission went out.”
Nina asks for a recovery plan. The agents read the two survey requests, find the Granite Shore loss-control report of September 2025 and the process safety file, check the client's calendar and test three changes. Send the report and the Building 4 file to Halvorsen and Coldwater (−8 days); book the sign-off meeting with Victor Lindqvist for Mon 16 Nov, 10:00 (−6 days); ask Granite Shore for a 30-day extension as a backstop.
Both markets accept a survey under 18 months old; the report is 13 months old. The forecaster proposes — it never changes a milestone date.
Nina accepts the plan. Market turnaround drops to 22 days and client review to 7, and the marker slides back across the red line: Mon 23 Nov, 8 days to spare, against a planned bind of Tue 24 Nov. The extension request stays a safety net, used only if the quotes slip again, and only with the service team lead's approval.
“Plan accepted · documents sent to Halvorsen and Coldwater · sign-off booked 16 Nov.”
Eight submissions went out on 8 Oct, on the market plan Tom approved on 6 Oct. Ridgeline Assurance declined — ammonia refrigeration is outside its appetite. Ashgrove Excess quoted $5M xs $5M at $38,600, following form. Brightwater Wholesale sent $231,500 for property, but as an indication, and the Quote reader marked it so. Halvorsen and Coldwater now show documents sent, quotes due 30 Oct.
“Indications are marked and cannot be selected for binding.”
Every request to the client sits in one ledger: the exposure update to Ellen Brody, the controller, chased on 21 Aug, 4 Sep and 18 Sep; loss runs from four carriers; the Building 4 documents from Ray Okonjo, the plant engineer. This client's past renewals ran at 1.2× and 1.4×, and 2.2× so far this year; the forecast uses the median, 1.4×, so the 9 client days still ahead become 13. A message to Ray is drafted and waits for Nina.
“First message to this contact: needs your approval.”
The renewal proposal for Victor Lindqvist sets the expiring program, $539,400, against the best terms so far, with three property quotes pending. Four margin notes quote the exact wording: the Brightwater figure is an indication, not a quote; its spoilage sublimit is $250,000 against an expiring $1,000,000; it adds an ammonia contamination exclusion; and the umbrella drops to $5M unless the excess layer is placed.
A proposal goes to the client only when every coverage difference against the expiring program is resolved or explained.
The book keeps every remarket decision with its reason, who made it and when. All 12 renewals in the window were opened at 120 days; before the runway, renewals started a median 64 days out. Two still land late at today's pace, flagged 34 to 50 days before expiry — and the book shows where renewals slip: the exposure update, market quotes, the incumbent offer and client sign-off.
The same renewal, seen by the four people at the agency who carry it — what their renewal season looked like, and what it looks like now.
Six specialist agents run every renewal and forecast where it will land; the account executive decides what to remarket.
Opens a runway for every policy 120 days before expiry, sets its nine milestone dates from the settings and adds the state notice dates for conditional renewal and nonrenewal.
Drafts the exposure-update request, asks each carrier for five years of loss runs, chases every 14 days, and reads the SOV, payroll by class, vehicle schedule and sales against the expiring exposures, flagging changes over 10%.
Compares each line's renewal offer with the expiring terms, the remarket triggers, peer renewals in the book, the loss history and market capacity, and recommends renew, remarket or split.
Builds each market's submission — application data, statement of values, five years of loss runs and a short narrative of changes — and sends survey and engineering documents when a market asks.
Reads every reply as a declination, information request, indication or firm quote, and lines the terms up against the expiring program — sublimits, exclusions, deductibles and limits.
Re-lands every renewal nightly and on every reply, stretching the steps left by the client's lag and the markets' turnaround for this class and size; when a landing is within 7 days of expiry or past it, proposes the smallest set of changes that brings it back.
Records every remarket decision with its reason. The agents propose; a named person decides.
Ask about any renewal, its landing, a market reply or a remarket decision — or say what to change. Every answer points to its source.
Why is Kessler Ridge Foods landing late?
Two property markets want a new survey of Building 4 before they quote. Halvorsen and Coldwater each asked for an ammonia refrigeration survey overnight, which adds about 10 days to the quotes. The exposure update also came 28 days late, so the client review is forecast at 13 days. At that pace the renewal binds 7 Dec, 6 days after expiry. Both markets accept a survey under 18 months old, and the Sept 2025 loss-control report qualifies.
Which renewals land within a week of expiry?
Five, at today's pace: Gahanna Plastics Recycling, 11 days late, property nonrenewal, E&S only; Kessler Ridge Foods, 6 days late, survey requests; Halden Street Apartments, 2 days late, 2 of 4 quotes in; Wexford Precast Concrete, 1 day to spare, exposure update overdue; Torrance Brook Brewing, 6 days to spare, liquor quote outstanding.
Draft the survey documents email to Halvorsen and Coldwater
Drafted. It sends the Sept 2025 loss-control report, the Building 4 process safety summary and the July commissioning certificate, and cites the 18-month rule from both replies. Both markets are on the approved plan. It is open for you to send.
Remarket any line whose renewal offer is up 10% or more
Done. New trigger: “Renewal offer up 10% or more in total → recommend remarketing the line.” It applies to offers that arrive from tonight. Two open renewals already meet it and are being remarketed: Kessler Ridge Foods property (+25.0%) and Halden Street Apartments property (+14.2%). You can change it in Settings.
11 screens from the working solution, on its sample data. Pick one to see it large.
Milestones, triggers, the pace forecast and who approves what are settings for each office.
| Setting | Default | Choose from |
|---|---|---|
| Runway milestones, days before expiry | 120 · 115 · 90 · 75 · 70 · 45 · 30 · 21 · 7 | Opened, data requested, exposures & loss runs, offer & decision, submissions out, quotes in, proposal, client sign-off, bound |
| Remarket triggers — any one met | Rate ≥ 7.5% · exposure change ≥ 10% | Also limit or capacity cut, carrier nonrenewal or conditional renewal, 3-year loss ratio ≥ 60% |
| Client lag | Median of the account's last 3 renewals | Or this renewal only |
| Market turnaround | Median by class and value band, last 24 months | Or per market, last 12 months |
| Lean amber at | 7 days to spare | Days to spare before expiry |
| Re-forecast | Nightly 23:00 and on every reply | Nightly · on every market or client reply |
| Records the remarket decision | Account executive on the account | With its reason |
| Approves a binder extension | Shauna Pratt, service team lead | A named approver |
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 book · “target” = the design goal, measured in the live solution · “estimated” = our estimate (the days-late split by step) · “typical” = published figures (Big “I” 2026 Market Share Report — 87.7% of commercial lines premium placed by independent agencies; Business Insurance — large brokers start mid-market renewals 60 to 120 days out). People, agencies, clients and carriers named on this page are fictional — characters and sample data in the working solution.
Software that runs each commercial renewal as a project with dates: refreshing exposures and loss runs, reading the incumbent's offer, deciding whether to remarket, sending submissions, comparing quotes with the expiring program and getting the client's sign-off before expiry. Renewal & Remarketing Management opens every renewal 120 days out and has six agents do the chasing, reading and drafting.
The Pace forecaster takes the steps left and stretches each one by what the account has really done — the client's lag over its last three renewals, and how long the markets on its plan took to quote risks of this class and size over the last 24 months. It re-lands every renewal nightly and on every reply, and shows the arithmetic behind each landing.
No. The Remarket advisor recommends renew, remarket or split for each line, with the triggers met and every reason cited. The account executive records the decision and the reason, before the first submission goes out.
It sends submissions only to markets on the approved market plan, and never signs an application for the client. It never binds, and indications are marked and can never be selected for binding.
That is one of its main jobs. The Quote reader and coverage matcher lines every quote up against the expiring program and flags lower sublimits, new exclusions, deductibles and limits, quoting both wordings. A proposal goes to the client only once every difference is resolved or explained.
Yes. The nine milestone dates, the remarket triggers, how the client lag and market turnaround are measured, when a renewal leans amber, who records remarket decisions and who approves binder extensions are all settings.
Yes. Agents read, draft, forecast and propose; people decide. The account manager approves the first message to each client contact and accepts recovery plans, the account executive records remarket decisions, and only people move a date.
The Agentic Solution Engine builds and deploys it from your requirements — your renewal milestones, remarket rules, market plan and a sample of your book — and it goes live once every quality gate has passed. We will walk you through it on your own renewals first.
Out-of-appetite submissions cut, every market tied to its guide page.
1-min demoBroker Submission AutomationClient data keyed once, not once per carrier; submissions out same day.
1-min demoInsurance Quote ComparisonA side-by-side in minutes, every difference traced to the quote page.
1-min demoWe'll run Renewal & Remarketing Management on a sample of your own book's upcoming renewals.