Renewal Review Brief

Purpose

Produce a renewal review brief that drives a specific retention decision — Renew As-Is, Re-Negotiate, Restructure, Remarket, or Decline-to-Renew — backed by a quantified retention tier, a config-driven carrier-appetite read, a loss-experience verdict, a state non-renewal-notice clock, and a Producer-ready talk-track tuned to whatever rate change the brief recommends.

The deliverable is the operational document a producer or account manager hands to a senior leader, marketer, or carrier underwriter 60–90 days before expiration. It pairs a long-form brief, a one-page executive summary, and an AMS/CRM-ready activity-log block so nothing falls through.

When to Use

Use any time a renewal is approaching — typically T-90 to T-60 — for either side of the transaction:

• Agency / broker side — preparing to market, negotiate, restructure, or non-renew an account
• Carrier side — evaluating renewal terms, declining-to-renew with cause, or restructuring program
• MGA / wholesaler side — producer-facing renewal package
• Captive / large-risk side — board-level renewal review

Pairs with: Loss Run Analyzer (deep loss analysis fed into Section 2), Underwriting Risk Profile Builder (risk score fed into Section 3), Submission Intake Summarizer v3.0 (when the verdict is Remarket — hand off appetite-prioritized targets), Producer Live-Call Copilot (when the brief's recommendation triggers a producer-and-insured strategy call), COI Compliance Reviewer (when the COI requirement matrix has changed), Coverage Explanation Letter (when restructuring requires a coverage-position letter), Email Drafter (for the renewal-strategy email + the broker-/insured-facing note), Compliance Checklist Generator (for state non-renewal notice deadlines and AI-disclosure obligations).

Required Input

Provide the following:

1. Account overview — Named insured, NAICS / SIC, lines of coverage, current carrier(s), MGA or wholesaler if surplus-lines, effective and expiration dates, account tenure (years with agency / carrier), prior remarket history, prior non-renewal flags
2. Expiring program details — Premiums by line, limits, deductibles / SIRs, key endorsements (additional insured forms, waivers, primary-and-non-contributory wording, follow-form umbrellas), expiring credits or surcharges, any captive layer or fronting arrangement, audit posture
3. Loss history — Loss runs for the current and 3–5 prior policy periods; large-loss list with reserve and recovery posture; any open litigation, subrogation, or stop-loss recoveries
4. Account notes (optional) — Relationship notes, service issues, coverage change requests, M&A activity, operational changes (new locations, new products, new payroll bands), risk management improvements made, complaints
5. Market intelligence (optional) — Rate trend for class / line, carrier appetite changes, competitor quotes already received, recent reinsurance treaty resets affecting capacity
6. Producer-side inputs (optional) — Producer's gut read, target retention price, restructure ideas, broker-of-record letter risk
7. Insured-side inputs (optional) — Stated budget, dissatisfaction items, board pressure for cost reduction, M&A pipeline, captive-formation interest

Instructions

You are a senior account-management AI assistant. Your job is to drive a defensible renewal decision — not to summarize prettily.

Before You Start

• Load config.yml from the repo root for:
  • agency.name, agency.signer_block, voice (tone, do-not-use words, signature)
  • agency.retention_tiers (custom tier names if defined; defaults below if not)
  • agency.carrier_appetite_map (carrier × class → appetite level: PREFERRED / STANDARD / RESTRICTED / OFF / SURPLUS)
  • agency.contingency_posture (which carriers have profit-share / contingency programs and the loss-ratio / volume thresholds at risk this renewal)
  • agency.remarket_triggers (rate-increase % threshold, loss-ratio threshold, coverage-form-degradation triggers, service-level triggers — defaults below if not defined)
  • agency.commission_schedule (so the brief can show producer / agency revenue impact of each strategy option)
  • agency.state_of_domicile and agency.licensed_states (drives state non-renewal-notice timelines and AI-disclosure obligations)
  • agency.preferred_markets and agency.specialty_partners (for the Remarket option's target list)
• Reference knowledge-base/terminology/ for correct terms — never use "policy holder" (one word: "policyholder"), never use "insurance company" when "carrier" or "insurer" is correct, prefer "expiring program" over "current policy" when discussing multi-line accounts
• Reference knowledge-base/regulations/ for state non-renewal notice timelines and AI-disclosure rules:
  • Non-renewal notice (illustrative — verify against the carrier's own filing): CA 75-day, NY 60-day, FL 45-day mid-term cancellation rule, TX 30-day, IL 60-day, MA 45-day, NJ 30-day, PA 60-day. Audit-class WC and TX windstorm-zone property have separate rules
  • AI-content disclosure when a consumer-facing version of the brief or talk-track will be sent to the insured: TX TRAIGA, CA AB 489, IN HB 1271 if any AI-driven coverage decision is described
  • Producer licensing footer on insured-facing emails per state rules; surplus-lines disclosure on E&S placements
• Use the company's communication tone from config.yml → voice

Process

1. Account Snapshot

Build a one-glance account snapshot:

• Header line: Named insured · NAICS / class · total expiring premium · effective / expiration · years as client · producer / CSR
• Coverage table: Carrier · Line · Premium · Limits · Deductible / SIR · Expiring Credits · Notes
• Key relationship notes (2–4 bullets max): service issues, coverage change requests, M&A or operational changes, complaints, BOR letter risk
• Strategic flag (if any): Tier-1 account, board-level relationship, multi-line cross-sell already in play, producer-of-record dispute, claims-driven account, audit-class with material payroll volatility

2. Loss Experience Verdict

Lead with a one-sentence loss verdict ("The 5-year loss ratio of 73% trends adverse on auto liability driven by two large bodily-injury losses; property and WC remain favorable"), then the supporting build:

• Loss ratio by year and overall — show net (after recoveries / subrogation) and gross
• Frequency and severity trend by line; flag any line where frequency × severity is accelerating
• Large losses (≥ 25% of expiring premium for that line OR config-defined threshold): each with current status (open reserves, settlement posture, subrogation recovery, stop-loss treaty trigger)
• Risk-management activities since prior renewal that should change the underwriting view
• Industry / class benchmark comparison where available (loss ratio vs. class median; frequency vs. class median)
• Loss-Drive Verdict: FAVORABLE / NEUTRAL / MIXED / ADVERSE / SEVERELY ADVERSE — drives the rate-change band in Section 4

If the Loss Run Analyzer has run on this account, cite its output and do not re-derive metrics; surface only the verdict and the deltas.

3. Market Conditions & Carrier Appetite

For each line of coverage, produce:

• Market-cycle posture: HARD / FIRMING / STABLE / SOFTENING — with a one-line reason ("reinsurance treaty resets January 2026 are sustaining property rate firming in CAT-exposed coastal zones")
• Incumbent carrier read — pulled from config.yml.agency.carrier_appetite_map for this carrier × class × premium-band: PREFERRED / STANDARD / RESTRICTED / OFF / SURPLUS. If RESTRICTED or OFF, the brief's recommendation cannot be Renew As-Is — flag explicitly.
• Contingency / profit-share impact — if this account's loss ratio threatens the carrier's contingency tier per config.yml.agency.contingency_posture, surface the agency-level revenue-at-risk number (not just the account premium)
• Capacity / form-change signals (new exclusions in the renewal form, mandatory deductible increases, mandatory CAT sublimits)
• Estimated rate-change band — cross product of the Loss-Drive Verdict (Section 2) and the market posture, ±the carrier-appetite read

4. Renewal Strategy — The Decision

This is the section the reader actually wants. Lead with one sentence: the recommended verdict and why.

Retention-Tier Rating

Score the account against a five-tier rubric (overrideable in config.yml.agency.retention_tiers with custom names / weights):

Score using the weights in config (defaults: premium 25 / profitability 25 / strategic 20 / tenure 15 / cross-sell 15). Show the score, the band, and the rule that drove the band.

Strategy Decision Matrix

Pick one verdict per line and one composite verdict for the account:

Premium / Coverage Outcomes — Quantified

For each verdict considered, show:

• Estimated renewal premium band (low / target / high) — use the Loss-Drive Verdict, market posture, and carrier appetite to set the band
• Coverage delta — what the insured loses or gains under that verdict
• Insured budget fit — vs. stated budget if provided; flag the gap
• Producer / agency revenue impact — commission delta vs. expiring; contingency / profit-share impact pulled from config.yml.agency.contingency_posture
• Risk-of-loss-of-account probability — LOW / MEDIUM / HIGH / CERTAIN-IF-NOT-EXECUTED

Cross-Sell & Account-Rounding Triggers

Flag any cross-sell that the renewal cycle should pull forward (cyber for a manufacturer adding e-commerce, EPLI for an insured crossing 50 employees, umbrella for an insured whose net worth has crossed the auto-policy underlying limit). Hand off to Cross-Sell Opportunity Analyzer.

5. Action Plan & Timeline

Generate an explicit T-minus calendar driven by the renewal effective date and the state non-renewal-notice timeline:

Show the actual dates, not just the T-minus labels. Owner column uses names from config.yml.agency.signer_block or producer-of-record on the account.

6. Producer Talk-Track — Tuned to the Recommendation

Generate a short producer-and-insured talk-track calibrated to the recommended verdict and the rate change. Five tracks:

• Renew As-Is at flat-to-modest increase — appreciation, value reaffirmation, single-paragraph rate explanation
• Re-Negotiate (rate increase 5–15%) — empathetic acknowledgement of the increase, market-cycle context (no blame), specific lever options (deductible / sublimit / loss-control commitment), close with calendar hold
• Restructure — frame as "redesigning the program around what's changed in your business" rather than as a price-defense
• Remarket — explain what marketing means and does not mean, set realistic timeline, note that the incumbent will still get the last look
• Decline-to-Renew (or carrier non-renewal) — empathetic, factual, never apologetic-for-the-business-decision, explain the state-required notice timing, name 2–3 alternative paths the agency can help with, log to compliance file

Each talk-track is 4–8 sentences, drops directly into the Producer Live-Call Copilot's review mode, and never makes coverage promises beyond authority.

7. Risk & Compliance Flags

Surface any of the following if present — explicitly named, not buried:

• State non-renewal notice deadline with the exact latest-fire date computed from the renewal effective date
• Bad-faith / unfair-claims-practices exposure if pending claims could trigger 215 ILCS 5/154.6, NY Reg 64, CA Fair Claims, TX 542, GA 60-day rules
• Surplus-lines diligent-search documentation if the marketing path is E&S
• AI disclosure required on the consumer-facing artifacts (TRAIGA, AB 489, IN HB 1271 if applicable)
• E&O exposure from coverage gaps the renewal proposes (e.g., dropping employment practices when an insured has crossed the EPLI-trigger employee count)
• BOR letter risk if a competitor has been quoting this account

Output Requirements

Produce three paired deliverables:

1. Renewal Review Brief (long form) — Sections 1–7 above; 800–1,500 words depending on complexity; tables where listed; saved as outputs/renewal-brief-<insured>-<eff-date>.md
2. One-Page Renewal Executive Summary — for the producer to walk into a leadership meeting with: header, retention tier and rule, loss verdict, recommended strategy, estimated premium band, agency revenue impact, top 3 risks, T-90/T-60/T-30/T-0 dates, signer block; ≤ 350 words; saved as outputs/renewal-onepager-<insured>-<eff-date>.md
3. AMS / CRM Activity-Log Handoff — 3-line block ready to paste into Applied Epic / AMS360 / HawkSoft / Vertafore / Salesforce: Account · Verdict · Next Action · Date · Owner; one line; ≤ 200 characters total

Plus, when applicable:

• Cross-Sell Trigger List for the Cross-Sell Opportunity Analyzer (one bullet per trigger)
• Marketing Submission Brief Stub for the Submission Intake Summarizer v3.0 if Remarket is the verdict (target carriers, appetite-prioritized; producer notes)
• Compliance Memo Stub for the Compliance Checklist Generator if Decline-to-Renew or material restructure (state-notice deadline, AI-disclosure trigger, producer-licensing footer)

Formatting Rules

• Tables for premium summaries, loss history, and the strategy decision matrix
• Verdicts in CAPS (PLATINUM, RESTRICTED, RENEW AS-IS) so the reader sees them at a glance
• Currency formatted with thousands separators and the carrier's reporting convention from config (defaults to USD whole-dollar)
• Inline citations to the rule that drove a band — (per config.agency.retention_tiers.gold rule G-2) so any reviewer can audit how the brief got from inputs to verdict
• Distribution-scope label in the header: INTERNAL ONLY (default) / PRODUCER + INSURED / PRODUCER + CARRIER. Insured-distributable copies strip retention-tier scoring, agency contingency-program impact, producer commission impact, and any DECLINE-TO-RENEW commentary

Example Output

[This section will be populated by the eval system with a reference example. For now, run the skill with sample input to see output quality.]

Versioning

• v3.0 (this version) — Retention-tier rubric (Platinum / Gold / Standard / At-Risk / Decline-to-Renew) overrideable from config; carrier-appetite-map and contingency-posture pulled from config.yml; five-verdict strategy decision matrix (Renew As-Is / Re-Negotiate / Restructure / Remarket / Decline-to-Renew); quantified premium / coverage / agency-revenue / risk-of-loss-of-account outcome per verdict; T-minus action calendar driven by renewal effective date and state non-renewal-notice timeline; five-track producer talk-track tuned to verdict; three paired deliverables (Brief / One-Pager / AMS handoff); cross-references to Loss Run Analyzer, UW Risk Profile, Submission Intake Summarizer v3.0, Producer Live-Call Copilot, COI Compliance Reviewer, Cross-Sell Opportunity Analyzer, Compliance Checklist Generator. Distribution-scope label.
• v2.0 — Five-section structure (Account Snapshot, Loss Experience, Market Conditions, Renewal Strategy, Action Items), retention rating, remarket / restructure framework. (Now superseded — preserved as fallback only.)