Industries · Independent insurance agencies
The renewal came in warm. Nobody answered it for four days.
An operations audit for an independent insurance agency finds where money leaves after first contact: quote requests with no named owner, renewals nobody chased, and cross-sell conversations that stopped after one email. We put a monthly figure on each one in two weeks.
Or call +1 (202) 600-6027 — a person answers.
Most agency owners I talk to have account managers typing the same client info into the agency system and three carrier portals, then chasing certificates and renewals by email.
That sentence comes from our own calls with agency principals — it is the thing that gets said back to us most. None of it shows up on a P&L as a line item. All of it shows up as quotes that go out late, renewals that get shopped, and a team that has no time left for the follow-up that actually keeps a book growing.
Independent agencies only — if you are captive, the carrier already runs these systems for you, and we would be selling you something you have.
Three places agency money leaks
Ordinary numbers. Yours will be different — that is the point.
01
Quotes that never got a second call
- Personal-lines quotes a month
- 20
- Never chased after the first send — our 30% assumption
- 6
- Closed if chased, at a 25% assumption
- 1–2 policies
- At an assumed $850 average annual commission
- ≈ $1,275/mo
≈ $15,300 a year
02
Renewals that shopped because nobody called first
- Policies in the book — our assumption
- 800
- Shop at renewal, assumed 12% a year
- 8/mo
- Saved by a timed pre-renewal call, assumed 1 in 4
- 2/mo
- At the same $850 assumed commission
- $1,700/mo
≈ $20,400 a year
03
Mono-line clients nobody ever re-marketed
- Clients holding a single policy — our assumption
- 400
- Cross-sold a second line, assumed 1% a month
- 4/mo
- At an assumed $600 first-year commission
- $2,400/mo
≈ $28,800 a year
Every number above is an assumption we chose so you can see the shape of the arithmetic — none is a measurement of your agency, and we have labeled each one.Put your own four numbers inand the figure follows. The Review replaces assumptions with counts from your own agency system.
The software question
Where automation and AI actually pay for themselves in an insurance agency — and where they don’t.
They pay where the work is typing, watching and reminding: acknowledging a quote request the minute it arrives, moving client data between the agency system and carrier portals without re-keying, pulling the renewal list sixty days out instead of at the notice, flagging the mono-line clients nobody has spoken to this year.
They do not pay where the work is judgment: placing a complex risk, having the renewal conversation, winning back a client who had a claim go sideways. An agency that automates those loses the book faster. The Review says which is which for your operation — and if the honest answer is “fix the process, skip the software”, that is what the report says.
What the audit looks at in an agency
Eight things we read before we say a word.
- Whether every quote request gets a named owner the moment it arrives — or sits in a shared inbox
- How many hours a week account managers spend re-keying the same client into the agency system and carrier portals
- When the renewal list is pulled, and whether anyone calls before the carrier’s notice lands
- Who chases certificates, and how much producer time it eats
- What happens to a call that rings through to voicemail — and whether anyone knows it happened
- The follow-up cadence on open quotes: day two, day five, or never
- Book mix: which lines are growing, which are quietly shrinking, and whether anyone is told before renewal
- Who finds out when a policyholder goes quiet — and how long that takes
Three questions before you book anything
- How many quotes did your producers send last month that never got a single follow-up call?
- Which of your books is quietly shrinking right now?
- What did last month’s missed calls cost you in premium?
If any of the three takes more than a minute to answer, that is not a failing — it is the exact gap the Review is built to close. More straight answers: “We already run an agency management system” and “My producers are slammed — when would we even do this?”
The next step
Tell us what isn’t getting followed up. We’ll tell you if we can help.
A 20-minute call about your agency’s numbers — quotes out, renewals kept, calls returned. No deck, and a straight answer either way.
We call web forms back the same business day. Or skip the form — +1 (202) 600-6027. One refusal, stated up front: we don’t take agencies looking to replace their producers.