Read the Incumbent's Policy Before You Pitch.
Upload what they have. Get the schedule, the gaps and the exposures, cited.
The Tower Is In. Now Read It.
You got the prospect to hand over the incumbent program. Now find the gaps. That is your value and the reason they move, so what you find has to be right.
Their Policy to Your Wedge
Upload what they gave you
Declarations, the full policy, the binder, a schedule. Whatever came back from the prospect.
Get the schedule
Every line, limit, sublimit, deductible, exclusion and endorsement, extracted and laid out.
See what's missing
Gaps and dangerous exclusions flagged and rated, each one cited to the page it came from. Anything the document doesn't answer is flagged, not guessed.
Walk in with the exposure summary
Severity against financial impact, client-ready, every figure traceable. The conversation their current broker never had with them.
From Policy Stack to Straight Answers.
Upload every policy on the account. Get one structured read across the whole tower.
The three gaps are the wedge.
Six Ways to Read a Policy
Coverage Summary
Structured tables by line of business. Limits, deductibles, sublimits and endorsements, extracted and organized.
Gap Review
Missing coverages and dangerous exclusions, flagged with severity and a recommended action.
Exposure Summary
Severity against financial impact, client-ready, every figure traced to its source.
Policy Comparison
Two programs side by side. Where the terms differ, where the pricing differs, and what it means.
Renewal Comparison
Expiring against renewal, term by term. Catch every material change before your client signs.
Contract Review
Pull the insurance requirements out of a lease or a vendor agreement and check the policy against them.
Every figure traces back to a document you gave it. Anything it can't tie to a source is flagged for you, not filled in. You read the output before it reaches a client.
From the Blog
Run It on an Account You're Chasing.
Upload what their current broker sold them and see what comes back.