Straight answers
How do you automate insurance renewals?
Automate renewals by attacking the four repetitive steps, not the judgment. Pull the expiring list from your AMS, gather updated exposure data, re-shop the accounts worth re-shopping across carriers, and build the comparison. Software can read the expiring dec pages and loss runs, fill the ACORDs, and run the carrier portals. Your producer still decides what to recommend and what to bind. The highest-leverage piece is re-shopping, because a proper re-shop is a multi-carrier requote that runs 30 to 60 minutes per account when done one portal at a time.
| Renewal step | Manual | What automation handles |
|---|---|---|
| Pull expiring list | Run the AMS report, sort by date | The AMS report. Still your trigger to start |
| Gather updated data | Re-key dec pages and loss runs | Document Parsing reads them into structured fields (live) |
| Re-shop carriers | Enter each portal one at a time | Portal automation runs appointed carriers in parallel (Relay AI Quoting is a Research Preview) |
| Fill submission forms | Retype the client across ACORDs | ACORD Generation fills them from the client record (live) |
| Compare and recommend | Build the comparison sheet, decide | Stays human. Your producer makes the call |
The longer version
Renewals run on a 90-day cadence, and most of it is typing and chasing. At 90 days out you pull the expiring list and pick accounts to re-market. Around 60 to 45 days out you request quotes and re-enter data for the carriers that timed out. At 30 days you build comparison sheets, and at 15 you present options and process binding instructions. The judgment lives at the front and back of that timeline. The middle is the part software should carry.
Not every renewal needs a full re-shop. The common triggers are a painful rate increase (10 percent or more is a frequent line), a carrier appetite change, or a client who asked you to look. Agencies tell Relay that is typically 20 to 40 percent of a month's renewals. Automating the re-shop of that slice is where the hours come back, because each portal-only carrier in a requote adds real minutes.
Where Relay fits today: Document Parsing and ACORD Generation are live, so reading expiring dec pages and loss runs and filling submission forms from the record is real work you can hand off now. The assistant is live and surfaces what is due. Re-shopping across carrier portals is AI Quoting, a Research Preview: your agency selects supported carriers, workflows are configured for you, and a person reviews every result before anything is placed.
Common questions
Which renewals are worth re-shopping?
The ones with a painful rate increase (10 percent or more is a common trigger), a carrier appetite change, or a client who asked you to look. Agencies tell Relay that is typically 20 to 40 percent of a month's renewals.
Can automation renew a policy without me?
No, and it should not. Relay reads documents, fills forms, and can run configured carrier workflows in the AI Quoting Research Preview, but a person reviews the comparison and makes the binding decision.
What can Relay do on renewals today?
Document Parsing and ACORD Generation are live and handle reading expiring documents and filling forms. Re-shopping across carrier portals is AI Quoting, a Research Preview with agency-selected carriers and human review.
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Part of the Relay straight answers library. Updated 2026-07-11. See how we source content.
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