How does the renewal audit process work?

You provide us with your renewal list (typically exported from your agency management system). We create a processing calendar, prioritize by expiration date, and begin working each renewal 30–45 days before expiration. For each renewal, we pull current loss runs, update applications, complete required supplementals, and prepare the carrier submission package for your review.

Do you work under my agency name?

Yes. All work is done under your agency's name and branding. Your clients and carriers never know we're involved. We function as an extension of your back office, not a separate service. All communications with carriers go through your agency credentials.

What agency management systems do you work with?

We work with all major agency management systems including Applied Epic, Vertafore AMS360, HawkSoft, EZLynx, and QQCatalyst. We can pull renewal reports from any system and work within your existing workflows. If you use a less common system, we'll adapt to your process.

How much does the renewal audit service cost?

Pricing is based on per-renewal complexity. Standard commercial policies (BOP, GL, property) are at the lower end, while complex accounts (contractors, manufacturers, large property schedules) are at the higher end. Volume discounts are available for agencies processing higher monthly volumes. Contact us for a custom quote based on your agency's renewal mix.

Can you handle personal lines renewals?

Our service is designed primarily for commercial lines renewals where the processing requirements are more complex and time-consuming. Personal lines renewals are generally more automated through carrier systems and don't typically require the level of manual processing that makes our service valuable.

How do you access my carrier portals?

We work within your existing carrier portal credentials. You provide secure access to the portals you want us to use, and we pull loss runs and submit applications through your agency's accounts. We follow strict data security protocols and can sign confidentiality agreements as needed.

What if a carrier has questions about a submission?

We flag any carrier questions for your review and can draft responses based on the account information. Since you know your clients best, final communication with carriers on underwriting questions goes through you. We handle the administrative follow-up—scheduling, tracking, and documentation.

How many renewals can you handle per month?

Our current capacity allows us to process 50–200 renewals per month per agency client, depending on complexity. We scale our team based on your volume needs and seasonal patterns. Most agencies see their heaviest renewal volume in Q1 and Q4, and we staff accordingly.

Will this service reduce my E&O exposure?

Yes. One of the primary benefits is a consistent, documented renewal process. Every renewal is tracked, every deadline is monitored, and every submission is documented. This systematic approach significantly reduces the risk of missed renewals, lapsed policies, and the E&O claims that can result from process failures.

Is there a minimum commitment?

There's no long-term contract required. We recommend starting with a single renewal cycle (typically 60–90 days) to evaluate the service. Most agencies continue because the time savings and consistency improvements are immediately apparent. You can scale up or down based on seasonal needs.

How do I get started?

Getting started is simple: share your renewal list for the next 60 days, provide access to necessary carrier portals, and we begin processing within 48 hours. We'll have a brief onboarding call to understand your preferences and workflow, then we hit the ground running.

Can you help with new business submissions too?

Yes. While our core service focuses on renewals, many agencies also use us for new business submissions. The process is similar—we complete applications, gather required documentation, and prepare submissions. New business submissions are priced separately based on complexity.

All Divisions

Insurance Operations

Insurance Renewal Audit

We Run Your Renewals. You Write New Business.

Elevated Exposure

8–15%

Typical unaudited annual rate creep

Auto-renewals quietly carry avoidable premium increases and coverage drift.

Request Diagnostic Audit (737) 510-6116

Engagement Dossier

Flat Fee$25–$50 per renewal

TimelineRenewals processed 30–45 days ahead of expiration

Response SLA30–45 days pre-expiration

CoverageAustin & Travis County

Framework Alignment

Exposure BasisPayroll / Sales / Sq-Ft Audit
Policy ComparisonYear-over-Year Verification
Endorsement ReviewCoverage Continuity

The Exposure

Renewal season hits and suddenly you have 50 policies expiring in the next 60 days. Each one needs updated applications, loss runs pulled, supplementals completed, and submissions sent to carriers—all while you're trying to write new business and service existing clients. Renewals fall through the cracks, policies lapse, and E&O exposure grows.

Policies that roll over unaudited routinely overstate exposure bases and re-price upward — you pay for it silently, every year.

Bureau Response

We act as your back-office renewal team. We pull loss runs, complete applications, gather supplementals, and prepare carrier submissions so you can focus on client relationships and new business. Every renewal processed, every deadline met.

Capability Matrix

What the Bureau executes for you

Every renewal processed 30–45 days ahead of expiration

Loss runs pulled and organized automatically

Applications and supplementals completed accurately

Carrier submissions prepared under your agency name

E&O exposure reduced through consistent process

Free up 15–20 hours per week during renewal season

Escalation Path

Put Renewal Audit in the Bureau's hands today.

Forward what you are dealing with. We scope it, quote a flat fee, and execute before the deadline closes.

Request Diagnostic Audit Verify Compliance Profile

Priority Router

Urgency

Scope

Assigned TrackExpedited

Scoped and started ahead of your deadline.

Typical Response30–45 days pre-expiration

Scope BasisSingle

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Mandate

Who this division serves

Independent insurance agents with 100+ commercial accounts

Small insurance agencies without dedicated renewal staff

Insurance brokers during peak renewal seasons

Agencies expanding their book and struggling with service capacity

Agents who want to grow their book without adding overhead

Execution Sequence

How an engagement runs

01
Renewal List Review
You share your upcoming renewal list. We identify what's needed for each account and create a processing timeline.
02
Prep & Submission
We pull loss runs, complete applications, gather supplementals, and prepare carrier submissions—all under your agency's name.
03
Review & Deliver
You review the prepared submissions, make any client-specific adjustments, and send to carriers. We track responses and flag any issues.

Framework Alignment

Exposure Basis

Payroll / Sales / Sq-Ft Audit

Policy Comparison

Year-over-Year Verification

Endorsement Review

Coverage Continuity

Confidential HandlingAustin & Travis CountyFlat-Fee ScopeVerified DeliveryFramework-Aligned

Field Brief

The full picture

Insurance renewal season is the most stressful time in an independent agent's year. Dozens or hundreds of policies all approaching expiration, each requiring updated applications, current loss runs, completed supplementals, and timely carrier submissions. The administrative burden is enormous.

For small agencies and solo agents, the math simply doesn't work. You can't service renewals, write new business, and handle claims all at the same time. Something has to give—and when it's renewals that slip, the consequences are serious: lapsed policies, unhappy clients, and growing E&O exposure.

Hiring full-time staff to handle renewal processing is expensive and often unnecessary outside of peak season. You need flexible capacity that scales with your renewal volume—heavy support during Q1 and Q4, lighter touch during slower months.

Risk & Compliance Bureau provides exactly this flexibility. We function as your virtual back office for renewal processing, working under your agency name and within your existing systems. Your clients never know we're involved, and your carriers see submissions coming from your agency as usual.

The result is a consistent, reliable renewal process that frees you to focus on what actually grows your agency: client relationships and new business development. Most agents who engage our service report recovering 15–20 hours per week during peak renewal season.

We work with independent agencies based in Austin and across Travis County, though the renewal process itself is document-driven and portable to agencies anywhere in Central Texas.

Intelligence Q&A

Questions we hear before the engagement

Direct Line

Get this handled before it costs you more.

Tell us what you are dealing with. We will scope it, quote a flat fee, and drive it to closure.

Request Diagnostic Audit (737) 510-6116