Gather loss runs early
We request five-year loss runs at least 90 days before renewal. Early access lets us spot errors, closed claims still showing as open, and reserves that no longer match reality.
Loss Runs & Renewal Strategy
Renewals are sold, not just quoted.
Your loss history is the single biggest driver of pricing. We clean it up, explain it, and present it to carriers so underwriters understand the account — and compete for it.
Audit the history
Every claim is reviewed for accurate classification, reserve movement, and closed status. We dispute discrepancies with the carrier before the submission is built.
Build the narrative
Underwriters price what they understand. We explain the losses, the changes you've made, and why the forward-looking risk is different from the backward-looking data.
Market to the right carriers
Not every carrier wants every class. We send your account to the markets with appetite, then compare terms and exclusions side by side.
What to send
The information that makes a renewal submission strong.
- Five-year loss runs for each line of coverage
- Current policy declarations and exclusions
- Details of any open claims and reserves
- Safety programs, driver training, or jobsite controls implemented
- Revenue, payroll, and vehicle count changes
- Contract requirements and required limits
Renewal coming up?
Start the process 90 days out.
Send your current policies and loss runs. We'll return a renewal strategy and market approach before your incumbent quote lands.
Start renewal marketing