Catching the renewal that the carrier never sent
Every expiration date is already sitting in the management system. What sits nowhere is the fact that a renewal declarations page for one of them never arrived, because nothing fires when a file fails to come. The version that ends in a claim is a nonrenewal notice filed against the policy and read by nobody, followed by a certificate describing coverage that has expired. The check is only as good as your map of which carriers download which lines, since silence means different things per carrier.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- IVANS Download
- Applied Epic
- Outlook
When this is the wrong thing to build
Pick something else if the book renews mostly on personal lines carriers that download reliably, where a missing renewal is rare and obvious within a day. This is worth building once a real share of the book sits with carriers that send paper or send nothing.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
No alarm goes off when a thing simply stops arriving. Read what this shape is, or start from one of these.
- Noticing that an agent licence has quietly lapsed
- Watching an MLS feed for the day it goes quiet
- Catching a lapse date nobody put on a calendar
- Closing the registration window before it closes you
- Scheduling the visits a membership already promised
- Closing the permit that never got its final inspection
- How do I tell if a carrier renewal never downloaded before it expires?
- What happens if we issue a certificate on a policy that was nonrenewed?
- Which lines of business do carriers leave out of policy download?
- How do agencies track expirations with no renewal received?
- Why did a nonrenewal notice sit in the client file unread?
Back to insurance agencies, or see how this is priced and scoped.