What Clean P&C Renewals Look Like Day to Day
In a clean renewal operation, renewals run on a 90-day queue, move through defined review and remarketing steps, and reach the client before the expiration conversation becomes urgent. In most agencies, renewals run on whoever sees the notice first. This page covers what clean renewal operations actually look like day to day.
What clean renewals look like day to day
90 days out. The AMS generates a renewal activity for every upcoming expiration. The account manager reviews prior year coverage and flags accounts likely to need remarketing.
60 days out. Remarketing accounts have been submitted to carrier markets using a standard submission template.
45 days out. Quotes are back. The renewal proposal is ready for client delivery. The owner has not touched this account.
30 days out. The client conversation happens. The account manager presents options, answers questions, confirms the decision.
Day of renewal. The policy is documented in the AMS. The renewal activity is closed. The next cycle starts.
What makes the difference
A 90-day renewal queue that actually runs. Most agencies say they have this. Most do not, because AMS activities are not configured consistently or no one is accountable for working the queue on a defined schedule.
Standard submission templates. A standard template cuts submission prep time by 60 to 70 percent.
A coverage review checklist. The renewal review is where E&O exposure lives. A checklist ensures the same review happens on every account.
Frequently asked questions
Who should own the renewal process in an agency?
Account managers or CSRs should own the renewal workflow end to end for standard accounts. Owners should not be in the routine renewal queue at all in a clean operation.
For the full back office framework: What a Clean P&C Back Office Actually Looks Like Day to Day
Talk to COVU about running a clean renewal operation for your agency
Based on COVU’s operational experience managing service operations across 50+ agencies and $200M+ in premium.