Commercial renewal files, drafted for your account manager before marketing starts.

Today, months before a commercial policy expires, an account manager pulls the expiring declarations and forms, asks the insured what changed, chases loss runs from each carrier and rekeys the answers into the applications. Only then can anyone decide whether to renew as offered or shop the account.

During the proof of concept, AI assembles it instead. It writes the expiring policy summary, drafts the exposure request for the insured, summarizes each loss run, fills the ACORD applications from the policy record and lists what is missing. Nothing goes to the insured or a carrier. Your reviewer, whoever on your desk knows renewals best, compares every draft with the file your team built.

The clock starts in the agency system. Applied Epic's Renewals Manager lists a policy 90 days before it expires unless its policy type sets another window, with a filter that runs from 0 to 30 days out through 121 days or more. AMS360 puts expiring policies on renewal lists a manager assigns, and renewing there creates a new policy image, so the expiring term stays on record beside the new one. That expiring term is what the summary reads.

Copying forward is the trap. Epic's Remarket builds a new master marketing submission from the last cycle's carrier submissions, and Applied's help notes it will not include revisions to the related current policies. A vehicle, location or named insured added mid-term can drop out that way, so the draft reads the current policy and its endorsements and lists every difference from last year's submission.

The applications are a set. The ACORD 125 carries the applicant information, and each line adds a section: the 126 for general liability, 127 for business auto, 130 for workers' comp, 131 for umbrella or excess and 140 for property. Epic fills them from application detail screens such as Property Detail, and it prints the edition a policy was issued on until the policy renews, when the newest edition prints. The umbrella section needs the closest look, because every underlying auto, general liability and employers liability policy it lists has to match the renewing terms.

Exposure requests change by line and class. General liability can be rated on payroll, gross sales, square footage, units or subcontracted cost, and some classes on two bases at once. Workers' comp needs payroll by class code and the current experience mod. Since May 1, 2017, NCCI applies rates by the policy effective date, but the mod still runs from its rating effective date, and a business the insured bought or sold goes on an ERM-14 ownership form that can revise it. A good request asks only for the figures that move, named the way the carrier's premium auditor will name them.

Loss runs arrive one carrier at a time, under each state's rules. Florida gives an insurer 15 calendar days from a written request to send five years of claims, without requiring reserves. Oregon gives commercial policyholders five years within 15 calendar days and keeps injured workers' medical records out of comp runs. So the summary records each run's valuation date and whether reserves appear, totals paid and open claims by policy year, and flags any year with no run at all.

Once your reviewer signs off, live accounts entering the renewal window go through the same job for about 30 days.

Every file waits for an account manager, who sends the exposure request, orders any loss runs still missing, chooses the markets and talks coverage with the insured. The AI never sends anything to an insured or a carrier, never quotes coverage and never suggests a limit.

Your reviewer scores the live files against the same written criteria the test used.