Renewal Readiness
Not shopping yet? Tell us when you will be.
Commercial insurance is bought at renewal, and the best outcomes are built in the months before it. Give us your renewal month and you'll get a prep checklist — what to gather, and when — and we'll check in as your date gets closer. It isn't a quote request, and nobody calls until you ask.
What happens next
One sign-up. No scramble at renewal.
- Right away
Your renewal prep checklist appears on this page, with dates worked back from your renewal.
- As it gets closer
We'll check in by email as your renewal approaches, so the early steps don't sneak up on you.
- When you're ready
Book a coverage review with a named producer. Nobody calls until you ask.
WHY 90 DAYS? READ “THE RENEWAL IS WON 90 DAYS OUT” →
Get the checklist
Six fields. About a minute.
You're on the list
Here's your checklist.
Dates are worked back from the first of your renewal month, . Your exact renewal date may fall later in the month, which only gives you more room.
Your renewal is less than 90 days away, so the early steps are due now. The fastest way to catch up is a call with a producer.
What to gather
- Loss runs from each carrier, currently valued, covering the last three to five years.
- Payroll, updated, broken out by the type of work your people do.
- Sales projections for the coming year.
- Fleet and equipment schedules, including anything you added or sold this year.
- Key contracts, especially the ones with their own insurance requirements.
- Subcontractor certificates and the agreements behind them.
- What changed this year: new operations, new states, new locations.
When
- Your renewal window opens.
Request loss runs and start pulling payroll, sales, and schedules.
- Build the submission.
Sit down for a coverage review and surface what changed while there's time to handle it deliberately.
- Go to market.
A complete submission goes to the carriers that fit. Answer their questions fast to stay at the top of the pile.
- Compare on substance.
Walk the options line by line: forms, sublimits, exclusions, and deductibles, not just the premium column.
- Bind calmly.
Coverage bound, certificates reissued, auto ID cards updated, and the file documented.
This checklist is general information, not advice about your specific situation. Starting early doesn't guarantee a lower premium; it gives you real options and time to fix problems while they're fixable. Signing up is not a quote, binder, or contract of insurance.