Every renewal, checked whole before it binds.
Quote against expiring, binder against quote — compared like your best specialist had a week, every material difference cited to the clause. Customers call it “five minutes instead of four hours.”
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 |
Renewal season is when coverage errors are manufactured.
Review is sampled, not systematic, and E&O lives in the gap: failure to procure is roughly 30% of agent E&O claims, and most of it is preventable with a checklist actually run.
Compared whole, not by form number.
Quotes, binders, policies, and endorsements — specimen forms, manuscript language, and full towers read end to end, so the sublimit on page 20 meets the grant on page 6.
Every difference explained and cited.
What changed, what is missing, what is below market — each finding cited to its page and clause, and genuine ambiguity flagged as ambiguity, not resolved by guess.
Checked. Cited. Bound.
Quote to binder to issued policy, reconciled — exceptions identified, assigned, and closed, with the evidence archived. The standard your E&O posture assumes, run on every account.
“It takes us 20 minutes per policy page to create a comparison document and line up the right things — you can imagine what a 40-page document is taking.”
Broker, recorded call
“It just took five minutes instead of four hours — and it put it together exactly how I would have done it myself.”
Broker, recorded onboarding call
The most-run job across the Qumis customer base.
86%of all structured reports run in Qumis are the three policy-review jobs — and comparison is the most-run job at the two largest deployments.
Qumis production data, last 90 days.
Source · renewal quote, p. 18
…coverage under this endorsement applies only where multi-factor authentication is maintained on all in-scope systems, failing which no coverage shall attach…
Finding
Operates as a warranty though never labeled one — flag before bind.
Operates as warrantyCyber form §IV.2 · p. 18Teams that check renewals here usually run these next.
The questions buyers ask first.
We already run general AI assistants. Why use Qumis for policy checking?
Keep them — our largest customers run general assistants and Qumis side by side. A quote-versus-expiring comparison on a manuscript form is not summarization: it needs the whole document read in order, familiar terms checked against the form’s own definitions, and a citation that resolves to the page. That is what Qumis was built to do.
Our checklist works. Why change anything?
Keep the checklist. Qumis runs it on every account instead of the ones that get time in December, and archives the evidence that it ran — the part an E&O review asks for.
What documents does it handle?
Quotes, binders, issued policies, endorsements, specimen and manuscript forms, schedules and SOVs — and full programs, including shared-and-layered towers.
Can our team rely on the output?
It is built for professional reliance, not blind reliance. Every assertion cites its source and the citation is verified against the document; genuinely ambiguous language is flagged rather than resolved by guess; and reliance tiers make explicit what is exploratory and what has been reviewed.
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.