Commercial sales cycles stretch 30 to 90 days, multi stakeholder, COIs flying out constantly. ALE keeps every account alive, every renewal on calendar, every COI request handled.
Business owners policy pipeline with property and liability scoped together.
Standalone GL for contractors and service businesses. Certificate holder tracking.
Experience mod tracking, audit reminder workflows, class code tagging.
Fleet size, driver list, vehicle schedule fields. Renewal windows tracked.
Increasingly required. Scoped questions in intake form.
E&O for accountants, attorneys, consultants, tech.
Building, contents, business interruption. COPE data tracked.
Excess layers over underlying commercial limits.
Commercial is not a fast close. The pipeline supports multi touch, multi stakeholder accounts.
Parent company and DBA tracked, industry, employee count, revenue, current carrier, renewal month.
Owner, CFO, operations manager, insurance contact all tagged with roles and communication preferences.
Loss runs collected, markets submitted to, quotes received, indications tracked by carrier and line.
60 to 90 day cycle with automated touches at 45, 30, 15, 7 day marks leading into renewal.
Commercial clients need COIs constantly for vendors, landlords, contracts. Automation handles the routine ones without a CSR in the loop.
Client requests a COI via form, certificate holder captured, auto routed to CSR or auto generated for standard requests.
Repeat holders stored with full info, reducing request time to seconds.
COI sent, read receipt, auto reminder if not acknowledged.
Standing certificate holders get new COIs issued automatically on policy renewal.
Every COI logged on the account record for E&O and compliance.
Tracks which holders are also AI or waiver of subrogation for fast reference.
| Days Before Renewal | Action | Channel |
|---|---|---|
| 120 | Renewal kickoff call scheduled, loss runs ordered | Call + Calendar |
| 90 | Market submissions if remarketing, exposure review | Internal |
| 60 | Quote options reviewed with client | Call + Email |
| 45 | Decision meeting scheduled | Calendar |
| 30 | Renewal decision confirmed, signatures collected | Email + eSign |
| 15 | Final documents review, payment scheduling | |
| 0 | Renewal bound, welcome back email, COI refresh |
Book a walkthrough. We will show the commercial pipeline, COI flow, and renewal retention stack.