Complete risk profile
Dec pages, AMS exports, and renewal offers are extracted and validated — no manual re-keying of the same data across portals.
Every at-risk renewal returned as a bind-ready, multi-carrier remarket pack.
The Personal Lines Renewal Remarketing Desk handles the entire upstream workflow — extraction, requotes, coverage-difference audit, and client-ready memo — so your licensed staff only present and bind. Priced per completed pack, never hourly.
Every renewal with >15% increase flaggedMulti-carrier requotes across your appointed carriersCoverage-difference audit documented in writingLicensed P&C reviewer QA on every pack5-business-day SLA
Why renewals fail
A single missed requote can lose the account.
In the hard market, premiums have surged — homeowners +24% from 2021–2024, auto premium CPI up roughly 50% since 2021. Policyholders are shopping and switching at record rates: J.D. Power measured the highest auto switching rate ever in 2024–2025, and switching 'endures' even as shopping cools.
Every renewal with a double-digit increase becomes a fire drill: account managers must pull the renewal offer, re-key risk data into 2–4 carrier portals, chase underwriting questions, compare coverage line-by-line, and present options — 30–60+ minutes per policy. One agency principal put it plainly: 'Two years ago, we stopped being able to only remarket policies that had more than 15% increases. Now, everyone has to be reviewed against all markets.'
Meanwhile, agencies cannot hire. The industry reports a structural CSR/account-manager shortage and a burnout crisis. The Personal Lines Renewal Remarketing Desk exists to close that gap with a single, exhaustive standard applied identically to every file.
30–60+
minutes per policy — the time an account manager spends on a single renewal requote
The benchmark
Measured against the agency's own carrier appetite and coverage standards.
We do not summarize the market and hope. Every pack is built against a versioned rule pack tied to the agency's appointed carriers, their appetite, and the coverage forms in force. These are the elements each pack is held to.
Every appointed carrier quoted
Requotes are run across all carriers the agency appoints for that line, using the agency's own rating engines or portal access.
Line-by-line coverage comparison
Each quote's coverage is compared to the expiring policy — deductibles, limits, endorsements — and differences are flagged in writing.
Comparison memo for the client
A clear, jargon-free memo summarizing options, price differences, and coverage changes — ready for the agency to send.
Delivered 30+ days before renewal
The pack is completed and delivered with enough time for the agency to present options and bind before the effective date.
Every pack reviewed by a licensed P&C professional
A licensed reviewer signs off on every pack, ensuring accuracy and E&O risk mitigation.
How a pack is built
Intake to licensed reviewer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed P&C reviewer signs every release. That order is never reversed.
01
Renewal Risk Scan
Upload your renewal report or AMS export. We return a free risk scan: which renewals have >15% increases, which carriers are appointed, and what data is missing.
02
Risk data extraction
We extract risk data from dec pages, AMS exports, and renewal offers — no manual re-keying.
03
Multi-carrier requotes
We run requotes across your appointed carriers using your rating engines or portal access, capturing all quotes.
04
Coverage-difference audit
Each quote's coverage is compared line-by-line to the expiring policy. Differences are flagged and documented.
05
Licensed reviewer QA
A licensed P&C professional reviews the pack, verifies accuracy, and signs the release.
06
Delivery
You receive the pack: comparison memo, quote spread, coverage audit, and client-ready materials — ready for your licensed staff to present and bind.
The bar we hold
Rigor you can measure.
100%
Licensed-reviewed
No pack ships without a licensed P&C reviewer signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
100%
Coverage-difference audit
Every pack includes a documented line-by-line comparison.
Why the Remarketing Desk
Built to be the most thorough option an agency has.
Outcome-priced, not hourly
You pay per completed pack, not per hour or per FTE. No surprises, no minimums.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a coverage requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the client, give legal advice, or bind coverage.
Engagement
Flat fee, per completed pack. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any commission.
- A free Renewal Risk Scan before you commit — see exactly which renewals need remarketing.
- One flat fee per completed Remarket Pack: $29–$59 by line and complexity.
- No minimums, no monthly retainers. Disclosed pass-through costs for any third-party data services.
- Optional expedited review for rush renewals.
FAQ
Questions, answered precisely.
Is the Remarketing Desk a law firm?
No. The Personal Lines Renewal Remarketing Desk, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Licensed P&C review is available and recommended for all packs.
Do you contact my clients or bind coverage?
Never. We do not contact clients, bind coverage, or give advice. The agency remains the licensed agent and the party responsible for presenting options and binding.
What makes a pack 'complete'?
Completeness is defined by the agency's own standards: risk data extracted, all appointed carriers quoted, coverage differences audited, and a client-ready memo delivered. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a licensed-reviewed pack. The free Renewal Risk Scan is returned much sooner and tells you exactly which renewals need attention.
How are you priced?
A flat fee per completed pack, plus disclosed pass-through costs. No hourly billing, no minimums, no contingency.
See which renewals are at risk before they walk.
Start with a free Renewal Risk Scan. Send your renewal report or AMS export and we'll return a risk scan showing which policies need remarketing and what data is missing.
Documentation-completeness service · not legal advice · the agency presents and binds every policy.