Open US commercial tools
US Commercial Insurance Renewal Checklist
US commercial renewals often depend on claim severity, state-by-state exposure, property values, fleet controls, umbrella limits, and whether the renewal story is clear before the account goes to market.
Before renewal, collect
- Five-year loss runs with status, paid, reserve, incurred, and claim descriptions.
- Updated SOV with locations, TIV, construction, occupancy, protection, and catastrophe-relevant fields.
- Payroll, revenue, vehicle count, driver controls, contracts, and subcontractor controls.
- Expiring premium, renewal quote, deductibles, exclusions, sublimits, and umbrella/excess towers.
- Large-loss narrative and corrective actions after severe claims.
ToolDox workflow
Use the Loss Run Analyzer, SOV Cleaner, US Liability Verdict Exposure Checker, and Insurance Comparison Workspace.
What makes this US-specific
US renewals are often more sensitive to venue, claim severity, social inflation, medical cost trends, catastrophe load, and umbrella/excess capacity. That makes loss-run quality and liability documentation especially important.