Every renewal chased before it lapses.

Renewals that lapse because the reminder went out late. A brokerage with 1,200 policies renews about 100 a month; at three touches each, that is 300 emails a month before a single new client is written. Add the quote request that waited for someone to retype the client's details into each insurer's format, and the website lead at 9 p.m. that got a reply the next morning, after another broker had already called.

It drafts the submission from the client's file and the application, in the format each market wants; the broker reviews it, picks the markets and sends. It never sends a client's information to a market the broker did not choose, and it never quotes a premium to a client.

Driver's licences, void cheques, prior-policy declarations, inspection reports, loss runs for commercial accounts. One checklist per file, each document filed the moment it arrives, the rest chased on your schedule, and one list for the broker of what is holding each file.

They do not change. The Registered Insurance Brokers of Ontario hold the licensed broker responsible for advice and client communications, so the system drafts and a licensed person sends anything that is advice, a quote, a disclosure or a binding confirmation. Client information stays in your own Microsoft 365 or Google Workspace under PIPEDA, and every message is on the file.

Arithmetic with your numbers. At an average commission of $250 a policy, three lapsed renewals a month is $750 a month, or $9,000 a year, in business you already had. Discovery counts the renewals that stalled in a week of your own mailbox.

It will not advise, quote, bind or confirm coverage. It will not send a client's information to a market the broker did not choose, and it will not send marketing to people who have not asked.