A review standard that survives December.
Renewal season breaks the review standard — everything gets checked if there’s time, and there isn’t — and every office has its own version of the proposal. Qumis runs one standard on every account, in your templates, with the evidence archived.
Bring a renewal from your hardest account — checked, cited, archived, live.
Renewal comparison — key findings, each cited to the policy language
Representative screen · specimen renewalCommercial General Liability — renewal review
Hartline Manufacturing · Keystone Mutual · KM-GL-4471902
- 1Premium up 18.4% — $186,420 → $220,700 on flat salesQuote · p.2
- 2Products-completed ops aggregate halved — $4M → $2MQuote Dec · p.3
- 3New CG 21 53 exclusion — designated ongoing operationsCG 21 53 · p.14
- 4GL deductible doubled — $25,000 → $50,000 per occurrenceCG 03 00 · p.11
| Coverage / term | Expiring2025–26 | Renewal quote2026–27 | Change |
|---|---|---|---|
| Each occurrence | $1,000,000 | $1,000,000 | UnchangedQuote · p.3 |
| General aggregate | $2,000,000 | $2,000,000 | UnchangedQuote · p.3 |
| Products-completed agg. | $4,000,000 | $2,000,000 | ReducedQuote · p.3 |
| Personal & adv. injury | $1,000,000 | $1,000,000 | UnchangedQuote · p.3 |
| Damage to rented premises | $300,000 | $300,000 | UnchangedQuote · p.3 |
| Deductible, BI/PD per occ. | $25,000 | $50,000 | IncreasedCG 03 00 · p.11 |
| Designated ongoing ops | — | Excluded | AddedCG 21 53 · p.14 |
| Annual premium | $186,420 | $220,700 | +18.4%Quote · p.2 |
One work product, every office, with the evidence archived.
Standardize across offices and acquisitions.
Everyone wants the same proposals and the same checking — acute mid-roll-up, when every acquired agency brings its own version of everything.
Hold the E&O line with proof.
Documented review on every account with the evidence archived — not sampled when time allows. Failure to procure is roughly 30% of agent E&O claims.
Get through renewal season without breaking people or standards.
The renewal crunch is where review quality collapses — and where juniors need senior-grade output with the reasoning attached, not another checklist to skip.
Attorney-standard review, at machine capacity.
In your templates, with the audit trail an E&O review asks for.
Policy Review & Checking
Every renewal at the specialist standard — checked, cited, and archived, with exceptions assigned and closed.
See the use case 02Contract & Insurance Requirements Review
The mid-term service machine: the client’s lease answered in minutes, documented for the file.
See the use case 03Proposals, RFPs & Microsites
One template, every office — with the wording you get audited on locked in.
See the use case“Five minutes for the report, 20 minutes of review, you’re done in half an hour. That could have taken three, four hours before.”
Broker, top-100 independent agency — recorded call
Underneath the six is Coverage Intelligence — the system of judgment Qumis is building for commercial insurance, where every reviewed decision makes the next one better.