How do you automate insurance renewals?
Start with your agency's renewal list and decide which accounts need attention. Automation can help organize updated documents, compare expiring and renewal terms, prepare forms, and work supported quoting steps. Keep account selection, coverage advice, and the final client recommendation with the people who know the account.
| Renewal step | Start from | Useful output |
|---|---|---|
| Select accounts | Your AMS renewal list and agency criteria. | An owned list with dates and next actions. |
| Confirm changes | Expiring documents, renewal offer, and client updates. | A reviewed list of changed and missing details. |
| Prepare the re-shop | The source packet and selected configured carriers. | Carrier outcomes with the details needed for comparison. |
| Build the proposal | Reviewed quotes and the producer's recommendation. | An editable explanation of the options and next steps. |
| Complete and record | The reviewed recommendation and client instructions. | The final result recorded through the agency's normal process. |
The longer version
Use the schedule your agency and markets require. Start early enough to gather updates, resolve missing information, and present options before the policy expires. There is no single cadence or percentage increase that makes every renewal a re-shop.
Separate the expiring policy from the renewal offer. A current premium, a proposed premium, and a newly requested limit belong to different points in the story. Label the sources and ask for changes to be identified rather than blending all the values into one summary.
Relay can help compare supplied renewal documents, prepare an application draft, run a configured quote workflow, and build an editable proposal from reviewed options. It does not automatically pull your entire renewal list or synchronize the result with your AMS unless that specific connection is configured.
Keep using the parts of your rater and AMS process that already save time. Test where Relay reduces the remaining browser or document work. Include any repeat entry, checkpoint handling, and review in the time comparison.
Common questions
Which accounts should we re-shop?
Use your agency's criteria, the client's needs, the renewal terms, and current market guidance. A fixed percentage threshold is not suitable for every account.
Can Relay work from expiring and renewal dec pages?
Bring the relevant documents into the task and label each term clearly. Ask for differences in premiums, limits, deductibles, dates, and other material details, with the sources available for review.
Can it renew or bind a policy automatically?
This workflow prepares work for review. Binding and other authorized actions remain separate from the document comparison or quote preparation.
How should we measure it?
Compare the hands-on effort needed to produce a reviewed renewal result, including preparation, manual portal steps, corrections, and any work repeated in another system.
Related questions
Source notes
Sources checked 2026-09-05. Product details can change.
Part of the Relay straight answers library. Updated 2026-07-11. See how we source content.
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