How to Automate Insurance Renewals

Renewals are where retention is won or lost, yet many agencies treat them as a same-week scramble. A renewal workflow turns a reactive process into a scheduled one.

Set the workflow to trigger from the policy expiration date. At 60 days out, send a check-in message asking about changes — new vehicles, renovations, payroll changes. At 30 days, confirm the renewal is being processed and set expectations. At 7 days, send a final confirmation with contact information for questions.

The workflow should also create internal tasks: a CSR review at 60 days, a producer touch for accounts above a premium threshold, and an alert if the client hasn't responded to any outreach by day 14.

The result is fewer surprise remarkets, fewer last-minute calls, and clients who feel looked after — which is what drives referrals and retention.