The proposal is one part of it.
A commercial renewal starts about five months before it expires, and it is not finished when the proposal goes out. Anise works the whole of it. The proposal is the part your client sees.
Your account managers stay on the accounts. We do the work around them.
Before the proposalOn the roadmap
It starts five months out.
The work that decides how a renewal goes happens long before anyone writes a proposal. Most of it is asking for things and waiting for them.
| Five months out | A note to your client saying the renewal has started, asking for updated exposures and for time with whoever needs to be in the room. |
|---|---|
| The loss runs | Requested from the carriers, then chased until they arrive, so the account goes to market with a complete picture. |
| Thirty days out | Either the proposal, or a short note saying where the renewal stands. Whichever one is true that week. |
Every client email is a draft your account manager sends. Anise never contacts your insured.
The proposalWorking today
Then the part your client reads.
Expiring policy against the renewal quotes, every change laid out, in your agency's brand and ready to send once you OK it.
You choose the shape it takes, and you can change your mind on the next one. There is no better one: each carries the same work and the same facts. What changes is how it reads to the client in front of you.
After it bindsNext to build
The policy arrives weeks later. Someone has to read it.
What the carrier issues is not always what you bound, and the gap is quiet. A limit moves. An additional insured is missing. A form that was quoted is not attached. The named insured is spelled wrong.
| What we compare | The issued policy against what you bound: limits, deductibles, endorsements, scheduled vehicles and locations, the forms listed against the forms attached, and the premium. |
|---|---|
| What comes back | A correction request for the underwriter, item by item, each one with the page it sits on. Your account manager sends it. |
| Where it stops | It says whether the policy matches what was agreed. It never says whether the coverage is adequate. That judgment is your staff's. |
The correction request goes to the carrier. It never goes to your client.
This is an errors and omissions control that most agencies do by hand, late at night, or not at all.
When the renewal is doneWorking today
So is the file.
Every email and document from the renewal, filed in your own folders and named the way your agency already names them. Your existing files stay where they are. Anything without a clear home is called out rather than guessed.
It is the reason next year's renewal starts from a complete file.
Across all of itFour things that hold
Where the line sits.
Whichever parts of this you use, and whatever we match to your house style, these do not move.
We stay off your client relationship
Anise never contacts your insured. Every client email is a draft your account manager sends under your name.
Nothing goes out until you have approved it
Not a proposal, not a correction request, not an email. You see it first, every time.
Facts only
Every figure comes from the policy and the quotes as printed. We never say a coverage is adequate, better or worse, and never recommend a limit, a form or a carrier.
Your brand, not ours
Your letterhead, your logo, your type. Our name appears nowhere your client can see it, including the document properties and the file name.
You are the agency on every page. We are the desk behind it.
NextThirty minutes
See the whole of it.
Bring a renewal your team has already worked, start to finish, and we will walk through what each part of it would have looked like coming back from us. The parts still in build are the ones where a pilot agency has the most say in how they turn out.
Anise Labs LLC
patrick@aniseops.com
601.201.2440