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Every Other Friday / Renewal Desk

02 · For independent property and casualty agencies

Commercial renewal packets, ready for your agent to review.

For each commercial renewal you send us, one packet: what changed since last year, application drafts, the missing-items list, a cover note and the timeline. Back in 2 business days.

Get your first packet free → See the sample packet (PDF)

First packet free, on one expiring policy with names and numbers blacked out. No card, no contract.

Page 1 of a sample commercial renewal packet for a fictional plumbing contractor: changes from last year, items to flag for the agent, the expiring program and the packet contents
13 pagesOur sample packet for a fictional plumbing contractor. Every name and number in it is made up.

What changed

Last year’s file, next to the client’s answers.

Rows from part 3 of the sample packet. Every figure carries its source: DEC is the expiring declarations, APP is last year’s application, Q is the client’s renewal questionnaire.

ItemExpiringClient updateChange
Total payroll$568,000 · DEC$776,000 · Q7Changed
Employees10 · APP13 · Q6Changed
Gross revenue$2,150,000 est. · APP$2,310,000 actual · Q5Changed
Residential / commercial90% / 10% · APP70% / 30% · Q4Changed
Subcontracted work$0 · APP$85,000 in 2026 · Q9New
Location 2None · DECStorage yard, since 06/2026 · Q12New
Experience mod0.94 · DEC2027 mod not in fileMissing
Sample, fictional client. The packet flags these for the agent; it never suggests coverage, limits, carriers or prices.
  1. 120Days out

    We start: the file, last year’s answers and a public web check of the client.

  2. 90Days out

    Client meeting, before the renewal rate arrives. We write the one-page brief.

  3. 65Days out

    Anything still missing goes to the producer.

  4. 60Days out

    Your team sends the submissions, with our draft cover note.

  5. 30Days out

    Your agent presents the options to the client.

What you get

One packet per renewal. Your agent reviews, decides and presents.

The packet is back 2 business days after we have the expiring policy and the client’s updates. When missing items arrive, the updated packet is back in 1 business day.

  1. What changedLast year’s policy next to the client’s updates: operations, locations, payroll and revenue, vehicles and drivers, property and equipment values, losses. Each figure marked with where it came from.
  2. Application draftsThe general application and each line (liability, property, auto, workers’ comp, equipment, umbrella) updated with this year’s answers, ready to key into your forms or system.
  3. Missing itemsWhat to ask the client for, who owes it and by when, written to paste into your agency system, plus a short request email your team can send.
  4. Client meeting briefOne page, so the talk starts with what changed, not the price.
  5. Public web checkWhat an underwriter could find online about the client, next to what the file says.
  6. Cover note draftFor the carriers your agent chooses to approach.
  7. TimelineDates at 120, 90, 65, 60 and 30 days before expiry, and who does what.

The sample

Read the whole packet before you send us anything.

Thirteen pages, built for a fictional plumbing contractor and a fictional agency. Every name, address, carrier and number in it is made up.

Sample packet page 1: summary and flags for the agentPage 1Summary and what to flag first Sample packet page 3: client meeting briefPage 3Client meeting brief Sample packet page 4: what changed since last yearPage 4What changed since last year Sample packet page 9: missing itemsPage 9Missing items, for your system

Open the full sample (PDF, 13 pages)

What we never do

Clerical work only. Your licensed agent does the rest.

No adviceWe never give coverage advice or suggest limits, carriers or prices.
No quoting or bindingWe never quote, negotiate, bind or sign anything.
No contact with your clientsWe never send anything to your clients or carriers, or talk to them. Your team sends; your agent reviews and presents.

Your client data

No logins. Blacked-out files to start.

  • The free first packet uses a blacked-out policyNames, addresses and policy numbers blacked out.
  • No login to your agency system or carrier portalsSend files by email or put them in a shared folder you control.
  • No offshore staff, no other contractorsPaid files are read only by us and the software we draft with.
  • Deleted after 30 daysWe delete your files 30 days after the packet goes back, or sooner if you ask, and confirm it in writing.
  • Your paperwork, signedWe sign your confidentiality agreement and answer your vendor security questions.

Price

Month to month. No setup fee. Cancel by email.

PlanPriceIncludes
First packetFreeOne blacked-out expiring policy. No card, no contract.
Per packet$75 a packetThe packet plus one update when missing items arrive.
Monthly$1,500 a monthUp to 20 commercial renewals, every update until the agent signs off, plus a side-by-side of the quotes you forward.
Promise

Late is free

If a packet is not back in 2 business days, you don’t pay for it.

Promise

Our mistake, our cost

If a figure in a packet is wrong because of us, we fix it the same business day and you don’t pay for that packet.

Promise

Nothing goes out unread

Every packet is for your licensed agent’s review. Nothing reaches a client or carrier from us.

Get started

Send one blacked-out policy. Get the packet back in 2 business days.

Attach one expiring commercial policy with names and numbers blacked out, and the client’s updates if you have them. The first packet is free.

Email us a renewal →
Email
[email protected]
Mail
Every Other Friday
150 Mustang Drive
Manalapan, NJ 07726
Founder
Paul Vasquez