Sixty days
to a clean renewal.

Day 60: pull the account

The renewal starts when the account is pulled from the AMS with its current policies, limits, deductibles, and the declarations page from last term. AdminZero does this automatically at sixty days, so nothing depends on a producer remembering the expiration date.

Day 50: loss runs and exposure changes

Request the loss runs, confirm payroll, revenue, vehicles, and locations, and note what changed. The agent drafts the request and the client questionnaire; the account manager confirms the answers.

Day 40: the remarket decision

With the exposure picture clear, the broker decides whether to remarket or renew as is. This is judgment: carrier appetite, the relationship, the rate environment. The agent prepares the file for either path; the broker chooses.

Day 30: quotes back, comparison drafted

Quotes arrive. The agent reads them line by line, compares them against the expiring policy, ranks the differences by what they cost the client, and drafts the comparison and the cover letter in the producer's voice. The broker reviews the recommendation before anything goes out.

Day 20: the client conversation

The producer presents the options. This is the hour that earns the commission and it is the hour most agencies run out of when the renewal starts late. Notes from the conversation go back into the AMS, and the agent drafts the follow up.

Day 10: bind and confirm

Bind, confirm coverage, issue the binder and any certificates the client needs, and file everything against the policy record. The agent drafts the confirmations; a person sends them.

What the agent does and what the broker keeps

The agent takes the assembly: pulling the account, drafting requests, comparing quotes, writing the first draft of every letter. The broker keeps the remarket decision, the recommendation, the client conversation, and the send. Run this way, the renewal starts on time every time and the producer's hours land where they earn the most. See renewal automation for how it works.