Your Policy Renewal Agent Decides Which Renewals to Remarket First
The AgentWorks Policy Renewal Agent works your renewal list before it works you. It pulls the current policy data for every upcoming renewal, analyzes the loss history, flags premium increases above the threshold your agency sets, and triggers remarketing automatically where the increase calls for it. The person it frees is your account manager, who today works renewals in the order they land and finds the big increases when the client calls about the bill.
What it takes off your plate
Every agency owner knows the renewal pile. Renewals stack up every month, personal lines and commercial together, and there is no system for which to look at first. A household with a clean record and a steep rate increase sits in the same queue as a policy renewing flat.
When an increase is noticed, the decision to shop it depends on who is working the file that day. One account manager remarkets anything that goes up; another lets it renew because there's no time. The client often hears about the increase from the carrier's bill, not from the agency, and that is when they start calling other agents.
What the Policy Renewal Agent does, step by step
The Policy Renewal Agent starts with the client conversation, then does the renewal review behind it.
- Contacts the client ahead of renewal. It emails or texts the policyholder before the renewal date to confirm what has changed: a new driver, a renovation, a new vehicle, a business that added employees.
- Pulls the current policy. It pulls the expiring policy, the renewal offer, the coverages and the payment history from your agency management system and the carrier download.
- Analyzes the loss history. It reviews claims on the account and notes whether the loss record explains the renewal pricing or whether the account would place well elsewhere.
- Flags the increases. It compares the renewal premium with the expiring premium and flags every increase above the threshold your agency has set, by line.
- Ranks the list. It orders renewals by date, size of increase and account value, so the account manager works the ones that matter most first.
- Triggers remarketing. For accounts that meet your remarketing rules, it assembles the updated risk details and sends them into your quoting workflow, so alternatives are ready before the renewal date.
- Reports back to the client. It sends the client a clear note: the renewal is in order, or the agency is shopping it and the account manager will be in touch with options.
- Hands off what needs a person. A coverage gap, a non-renewal notice or a large commercial account goes straight to the account manager or producer.
Where the work is recorded
An agent that cannot record its results is a chatbot. Every renewal message, client reply and remarketing decision the AgentWorks Policy Renewal Agent makes lands on the household's record in the CRM your team already sees, so anyone who picks up the phone knows where the renewal stands.
The policy data, renewal review notes and remarketing activity live in your agency management system, whether that is Applied Epic or HawkSoft, and renewal follow-ups go on the account manager's Google Calendar. The next morning, your account manager sees a ranked renewal list: which renewals are clean, which were flagged and why, which are being remarketed, and which clients replied with changes.
What your people do instead
Your account managers stay with the clients. They call the household facing the steep increase with options already in hand, explain what changed and why, and keep the relationship. They sit with the commercial client to review exposures instead of pulling declarations pages. The agency owner sees the same standard applied to every renewal, whoever is working the file.
The Policy Renewal Agent keeps the renewal reviews, flags and client messages moving. Client service and client satisfaction stay with your people.
Remarketing runs through quoting. Read about automating multi-carrier insurance quotes, and see how to review every policy on schedule for the annual review that sits alongside renewal.
One next step
If renewals at your agency are worked in the order they arrive, find out which workflow an agent should take first. The free Insurance Industry Assessment walks through your policy administration and shows where the Policy Renewal Agent fits, and the insurance industry page shows the agents that work alongside it.
See where the Policy Renewal Agent would start in your insurance business.
I'm Franklin, the Insurance ambassador here. The free Industry Assessment reads your website and asks how calls, follow-ups and records happen today, then shows the first workflow worth handing to an agent like this one — and what your team gets back. Leave your email and I'll send the link.
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