T-90 to T-0.
We re-shop early.
Standard renewal practice: send the customer the carrier's renewal letter at T-30, hope they sign it. The veteran practice: run the matrix at T-60, surface alternates if the current renewal moved more than 5%, give the customer a real choice instead of a default.
Six ticks. Coordinated across every line.
Each coverage line in your program runs the same six ticks on its own X-date. A whole-policy program would cluster all renewals on one date; piece-out programs typically have 2-4 distinct X-dates across the lines. The cadence is the same on every X-date.
| Tick | When | Who acts | What happens |
|---|---|---|---|
| T-90 | 90 days before | Internal | Re-classify the intake. Has tier moved? Loss ratio changed? Fleet grown? Authority age crossed PREFERRED threshold? |
| T-60 | 60 days before | Customer email | Alternate indications surfaced alongside your current carrier's renewal. Re-shop window opens. |
| T-30 | 30 days before | Customer commit | Re-shop window closes. You commit to a renewal carrier OR explicitly accept current renewal terms. |
| T-7 | 7 days before | Customer email | Final reminder + signature ask. BMC-91 cancel-on-non-renewal filed by previous carrier if you chose another. |
| T-0 | Effective date | Bind | Renewal effective. New binders issued for any switched lines. State filings (Form E, Form K) routed. |
| T+1 | Day after | Internal audit | Verify BMC-91 / Form E filings updated. Confirm L&I shows the new binders. |
The renewal positioning model.
At T-60 we compare the current carrier's renewal indication against the current premium. The delta drives the positioning decision:
Why not just re-shop every renewal?
Carrier relationships matter. Re-shopping a stable 4-percent renewal annoys the carrier (who saw no claim activity to justify the work) and signals churn-risk on your next quote with them. The threshold model preserves carrier relationships on quiet years while triggering aggressive re-shop on years that warrant it.
Why not auto-bind every renewal?
A 12-18 percent renewal needs your voice on the matrix. Auto-binding a re-shop-worthy renewal would cost you 8-15 percent in premium that piece-out would have captured. Auto-bind belongs on soft renewals (under 5 percent); above that, the customer chooses.
How we compare to standard agency practice.
- ×T-30 carrier renewal letter forwarded
- ×No alternate indications surfaced
- ×Customer presumed to accept any % increase
- ×Re-shop only on customer request
- ×Whole-policy re-shop forces all lines to move
- ✓T-90 internal re-classification on current loss data
- ✓T-60 alternates surfaced when delta > 5%
- ✓Customer commits at T-30 with real choice
- ✓Aggressive re-shop trigger at > 12% increase
- ✓Per-line re-shop: one carrier's increase doesn't move the program
Adding a truck, a driver, a commodity — between renewals.
Fleet changes happen between renewals. New tractor, new driver, commodity change, radius expansion. Each is an endorsement, not a re-shop — we update the existing carrier's binder with a pro-rata premium delta and surface the cost before you commit.
Some triggers (commodity change into hazmat, radius expansion to OTR after being regional-only) may force a partial re-shop because the current carrier no longer fits the new exposure. We flag that at the endorsement request and walk through the options.
Renewal coming up?
Start the intake at T-60. We'll run the matrix alongside your current carrier's renewal and surface the delta.