Blog · Coverage and territory · Insurance brokers
How a commercial insurance broker builds a ninety-day renewal watch from the policy system and the activity log: every policy expiring in the window, whether remarketing activity has been logged, ranked by premium per producer, and the reconciliation that keeps the watch honest.
Retention is a broker's largest number and its least examined one. Most books retain around nine policies in ten, and the tenth usually left without a conversation. The policy system knows every expiry date; the activity log knows every conversation. Joined, they produce the list of renewals nobody has touched, in time to do something. This guide sets it out.
Per policy:
Expiring = expiry date inside the next 90 days Silent = no qualifying activity on the client in the last 60 days On watch = expiring and silent
Per producer:
Watch list ranked by premium, and the share of expiring premium that is silent
Client identifiers only.
expiring premium = Σ producers (expiring premium)
One producer, ninety-day window, this week.
| Client | Line | Premium | Expires in | Last activity | On watch |
|---|---|---|---|---|---|
| C-701 | Property | £62,000 | 71 days | 84 days ago | Yes |
| C-712 | Fleet | £18,400 | 38 days | 12 days ago | No |
| C-730 | D&O | £9,200 | 55 days | 91 days ago | Yes |
| C-744 | Liability | £4,100 | 88 days | 200 days ago | Yes |
Three of four expiring policies are silent, £75,300 of premium, and the largest is a property programme ten weeks out. That is the producer's week, and the office head can see that this producer's silent share is 80 percent of expiring premium against an office median of 30.
Activity logged against the wrong client. A conversation logged against a subsidiary leaves the parent's policy silent. Roll activity up to the contracting entity.
Expiry dates missing. Policies without one never expire in the report. Count them; they are usually mid-term adjustments exported as policies.
Types too broad. An automated renewal notice counts as activity and the watch is empty. Two-way contact only.
Watch read without the book. A producer with a short watch list and a small book is not doing well; a producer with a long list and a large book may be fine. Show the silent share of expiring premium, not just the count.
Mapped once, the policy export and the activity log produce the watch per producer every week, reconciled to the expiring book. Covirage builds this from the exports as they are. The insurance brokers page describes the setup, and the placement share guide covers the growth half of the same export.
A logged renewal review, a market approach, a carrier submission or a client conversation about the renewal, whichever the broker's process records. The list of types is fixed and applied to every producer, or the watch reads as complete for whoever logs least.
Ninety days out is when a commercial renewal still has time to be remarketed properly. Sixty days of silence inside that window is the point where the renewal is drifting toward a rollover. Adjust per line; large property programmes need longer.
No, but they come from the same export, and the renewal conversation is the natural place to raise the lines placed elsewhere. The two lists are usually read together.