Free tool
How many renewals leave unshopped?
Every agency wants to re-shop the painful increases. Few have the hours. Put your book through the math and see the gap.
Painful increases, carrier appetite changes, clients who asked.
Minutes per re-shop
A real re-shop is a multi-carrier requote, not a glance.
Your renewal math
Renewals worth re-shopping each month
38
Hours to shop them all
28
Hours you have
22
Renewals that leave unshopped
9/mo (104/yr)
Most of them will not call to tell you why they left.
Same capacity with carriers running in parallel (about 10 minutes of review per renewal):
All 38 re-shopped, with room to spare
Estimates, not a promise. Book spread evenly across 12 months; if your renewals bunch up in heavy months, the crunch is worse than this shows.
How agencies automate renewal re-shops →Why this number matters
Unshopped renewals are quiet churn
One agency principal put it to us straight: he had 20 clients staring at 10%+ increases, knew they should be shopped, and said there was just no way he was going to get to it. His next sentence was the one that matters: retention is not going to be there.
Clients do not call to announce they are shopping. They get the renewal notice, wince, and quietly call the agency whose ad said they could save money. The re-shop you did not have hours for becomes the book you no longer have.
The fix is not more hours. It is making each re-shop cost minutes instead of most of an hour, which is what happens when the carrier portals run in parallel and your team only does the review.
FAQ
Common questions
What counts as a renewal worth re-shopping?
Painful rate increases (10% or more is a common trigger), carrier appetite changes, and clients who asked you to look. Agencies tell us that is typically 20 to 40 percent of a month's renewals, which is why the slider defaults to 30.
Why 45 minutes per re-shop?
A real re-shop is a multi-carrier requote: pull the current policy, requote 3 to 8 carriers one portal at a time, compare, and write up the recommendation. Agencies report 30 to 60 minutes when it is done properly. A 5-minute glance at the renewal notice is not a re-shop.
What does the parallel comparison assume?
Carriers quoted simultaneously instead of one at a time, with your team spending about 10 minutes per renewal reviewing results and making the call. The judgment stays human. The typing does not.
My renewals bunch up in certain months. Does this account for that?
No, and that makes the real picture worse. The math spreads your book evenly across 12 months. If your book is heavy in June and July, like a lot of rewritten books are, the crunch months blow past capacity even when the average looks manageable.
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