Commercial Insurance Brokers
Your renewal book is your business. Defend it like one
Three tools that spot at-risk renewals 90 days out, find uncovered risks across your book, and get your submissions to underwriters first.
- 90 days
- before renewal, when retention is won or lost
- £1,800
- average commission on a lost commercial renewal
- 1st
- broker back to the client wins the placement
The leaks
Where the margin is going
Silent churn
£74k GWP
At-risk renewals look fine until the non-renewal email arrives.
Uncovered risks
£52k
Clients hold property cover and no cyber, D&O or BI. Nobody has checked the book.
Slow submissions
2 days
Underwriters reward the first complete submission; yours is still in the inbox.
Renewal Defence
Churn risk hides in mid-term behaviour: claims friction, contact gaps, premium jumps.
Every renewal risk-scored 90 days out, retention outreach drafted for account handlers.
How it works
Parsing policy book
620 policies tokenised
Detecting churn signals
Premium movement, claims friction, contact gaps
Scoring renewal risk
90-day risk score per policy
Drafting retention outreach
Per-client renewal reviews
What your team does with it
- Give each account handler their at-risk renewals 90 days out, not 30.
- Send the drafted retention outreach before the incumbent insurer's invitation lands.
- Escalate anything above your premium threshold to the director who signed the account.
On sample data
41 renewals at risk in the next 90 days
- £74,000
- GWP at risk
- £11,100
- Commission exposure
- 41
- Retention plans drafted
Renewal Defence gives your handlers a 90-day head start on every wobbling account.
Cover Gap Scanner
Cross-sell across a 600-policy book is impossible client-by-client.
Every obvious uncovered risk flagged and sized, review invitations drafted.
How it works
Parsing schedules
310 client schedules tokenised
Detecting cover gaps
Cyber, D&O, BI, key person vs sector norms
Scoring premium opportunity
Gap value per client
Drafting review invitations
Risk-review agenda per client
What your team does with it
- Pick the gaps that match the agencies you actually hold and park the rest.
- Attach the drafted invitation to the renewal review already in the diary.
- Record any client decline in writing so the file evidences the advice given.
On sample data
133 uncovered risks across 97 clients
- £52,300
- Premium opportunity
- 97
- Review invitations drafted
- 44
- Cyber gaps in exposed sectors
The scanner turns your existing book into your best new-business pipeline.
Quote Turnaround Engine
Assembling a clean underwriter submission from client documents takes days.
Client docs in, structured underwriter-ready submission pack out in minutes.
How it works
Parsing client documents
Proposal forms and schedules extracted
Detecting required fields
Per line of business
Scoring completeness
Gaps flagged with client questions
Drafting submission pack
Underwriter-ready, house style
What your team does with it
- Check the submission pack against the client's own documents before it goes out.
- Send the same clean pack to every underwriter on the panel.
- Reuse last year's pack as the starting point at the next renewal.
On sample data
Underwriter-ready pack in 6 minutes
- 6 min
- Turnaround time
- 58
- Fields auto-completed
- 3
- Missing items flagged
First complete submission in wins. The engine makes that yours by default.
In motion
Watch it run
Live demo
Try it on sample data
Data protection
Your client data never reaches the AI
How it fits together
From your book to revenue actions
Proof
Results
What a 620-policy book gave back
Before
Renewals reviewed at 30 days; cross-sell when someone thinks of it
After
£126,300 of GWP defence and premium opportunity surfaced in one run
- £126,300
- Opportunity surfaced
- 138
- Client actions drafted
- 34
- Handler hours saved / month
The offer
Package
The Broker package
- All three tools configured for your firm
- PII tokenisation layer as standard
- CRM/book onboarding and data mapping
- Monthly findings report with £ figures
- UK-based support, DPA included
Live within 14 days of data access
Build from £6,000 · from £2,750/month · two defended renewals cover the retainer
Questions
Frequently asked
Is this GDPR compliant?
The architecture is built for UK GDPR: identifiable fields are tokenised before any AI processing and the encrypted mapping never leaves your control. We provide a DPA with every engagement and a DPIA on request.
What data do you need?
A policy book export covering client, line, renewal date, premium and claims flag, plus cover schedules for the scanner.
How long does setup take?
Most firms are live within 14 days of granting data access. The demo you just ran mirrors the real pipeline. What follows is configuration, not construction.
Does it work with our systems?
Yes. Acturis, Open GI, Applied Epic and broker-system CSV exports.
What does it cost?
A one-off build fee then a monthly retainer, anchored so a single defended renewal covers months of fees. Exact pricing on the call, based on book size.
Next step
See it on your own book
This was synthetic data. Yours will be better.
Book a callPseudonymisation under UK GDPR Art. 4(5). DPIA and DPA available on request.
Also see: Mortgage & Finance Brokers, Commercial Property