Five critical components of automated policy analysis tools for personal lines

Personal lines brokerages are under more pressure than ever to deliver truly personalized service at scale, especially at renewal when clients expect clear advice and tailored coverage to meet their needs for the year ahead. To meet those expectations, brokers need a deep understanding of each client’s account — but gathering and analyzing that information is still a manual task. Sifting through documents, spotting changes, and deciding what matters is a time-consuming process that isn’t scalable. 

That’s why more brokerages are turning to automation to streamline their personal lines workflows and free up brokers to focus on what really drives value: building stronger relationships with clients and creating opportunities to provide truly advisory services. 

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Policy analysis, defined 

Across the industry, this account-level review goes by many names: policy checking, renewal reviews, policy insights, to name a few. At Quandri, we use the term policy analysis.  And with more brokerages looking into policy analysis tools to help with renewal workflows, it’s important to understand exactly what you should be looking for. 

Some broker management systems offer basic policy comparison features, which can be tempting since it feels like it’s part of the same system, but these features can be limited when it comes to making your team more productive. If your solution only highlights differences, it’s not true policy analysis. It’s a checklist. And a checklist isn’t going to help your team move faster, sell smarter, or retain more.

Let’s break down five critical components that turn policy comparison into real policy analysis.

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1. Basic comparison: Necessary, but not enough

At its simplest, policy comparison shows you changes between an expiring and renewing policy. Think changes in coverage, limits, or premiums. 

Having this information presented to advisors is helpful, but they’re still left doing the heavy lifting. They have to interpret what those changes mean, prioritize the accounts that need attention, and craft client communications from scratch. This is time-consuming and can leave room for errors and inconsistency.

Basic comparison doesn’t help you:

• Prioritize clients for strategic outreach.
• Identify cross-sell and upsell opportunities (like mono-line clients or those missing coverages).
• Catch complex variances between carriers, policy types, regions, or packages.
  

Most built-in tools inside broker management systems stop at this level. They push more data at brokers without automating the critical next steps like sending smart, personalized emails to clients. Plus, there’s no way to tailor the data to deliver what your brokers actually need. This means they still have to do the manual work of sifting through data points to find what they need.  

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2. Contextual understanding of policy changes

Policies are complex, and without a system that truly understands the context (like carrier-specific rules, policy type differences, regional variations, and package structures) important risks can easily slip through the cracks. 

Real policy analysis means AI isn’t just spotting a change; it’s interpreting whether it’s routine (like a small deductible shift) or urgent (like the removal of a key coverage). Applying carrier, policy type, region, and package knowledge to the analysis is critical. No broker, no matter how experienced, can keep all of that information straight manually. You need a system built to handle that complexity for you.

At Quandri, we don’t just show you changes. Our platform deeply understands these nuances and highlights what matters most, based on the settings and priorities unique to your brokerage. Brokerages can configure the platform to surface the most critical changes, ensuring advisors can focus immediately where it counts.

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3. Renewal summary reports that actually matter to your brokerage

Another huge piece of the puzzle is how information is presented.

Rather than providing a simple checklist for each policy that advisors then need to sift through and figure out what comes next, Quandri provides actionable renewal summaries that are built around your standards, not generic templates. You decide what’s important to show. And if certain coverages are missing (say your brokerage recommends sewer backup or extended dwelling coverage on all homes), Quandri can automatically create a follow-up activity.

You’re not just getting a snapshot. You’re getting a tailored, actionable summary that drives more insightful conversations with clients.

Take Miguel Reynaga, Personal Lines Manager at KJ&A, for example. He uses Quandri’s Renewal Summary to guide client calls at renewal, using insights like key policy changes and claims to guide the conversation. This allows him to drive more meaningful conversations, shifting the focus away from price and toward value, while reclaiming time to build stronger client relationships.

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4. Focused on renewals

Renewals are a natural touchpoint for brokers to catch up with customers. It’s the chance to connect with clients, learn about how their needs might have changed in the last 12 months, and offer true advisory services to ensure they have the coverage they need for the year ahead. With increased demands, it’s hard to maintain this advisory approach to renewals. At Quandri, solving the renewal challenge is our entire business, and that focus means we go further and deeper. We help brokerages and agencies drive revenue and retention with intelligent renewal analysis, smart policy prioritization, automated follow-up activities, and AI-powered client communication, to ensure every account gets the right level of service. Our dedicated focus allows us to deliver a solution that turns renewals into revenue and growth opportunities.

Personal lines is high-volume, high-velocity work. You can’t afford a clunky, slow system. With Quandri, efficiency and retention are baked into everything we do.

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5. AI-powered client communication 

One of the biggest bottlenecks for personal lines teams? Writing hundreds of renewal emails.

With Connect, Quandri’s platform doesn’t just crunch policy data. It analyzes carrier-specific nuances, spots valuable policy insights, and uses AI to craft ready-to-send emails that match your brokerage's brand voice. It even prioritizes who to reach out to first based on factors like premium increases. Rather than sending templated emails that simply alert clients that their renewal is coming up, Connect empowers brokers to provide insightful emails to clients about their coverage, noting key policy changes so they know what’s happening. 

Instead of spending hours writing and editing, brokers can stay focused on relationship-building while clients still receive proactive, personalized communications. 

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Don't settle for surface-level comparisons

If your current tool only shows what changed, you’re missing critical capabilities that drive true efficiency, better client service, and real growth.

At Quandri, we’ve built a deeper approach that goes well beyond side-by-side comparisons. Our platform reviews every renewal and analyzes the following information for brokers: 

• Major changes year-over-year: We highlight the most impactful shifts and not just that something changed, but why it matters.
  
• Upsell and cross-sell opportunities: We flag mono-line accounts, missing endorsements, or areas where coverage can be enhanced.
  
• Gaps in coverage and E&O risks: We help ensure clients aren’t left exposed (and that your brokerage isn’t either).
  
• Insufficient limits or deductibles: Whether it’s low liability or high deductibles, we alert you to potential issues to discuss with clients.
  
• Structural updates: We surface changes or missing data that can affect pricing and eligibility.
  
• Missing discounts: We help brokers find opportunities to help clients save, building trust and increasing retention.
  
• New or open claims: Active or recent claims are flagged so brokers can proactively follow up or tailor their conversation at renewal.
  
• Account-level audits: We catch missing email addresses, open activities, or incomplete client records that might stall outreach.

True policy analysis doesn’t just support your processes. It empowers your people.

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Ready to see how smarter automation can transform your renewals?

Book a demo to experience how Quandri empowers personal lines brokerages with true policy analysis and effortless client communication.