What Quandri’s policy analysis actually covers (and why it matters)

Most insurance brokerages are overwhelmed with the volume of information involved in renewal reviews. Between policy documents, coverage summaries, claims data, and system notes, teams often spend hours digging through files just to find the details that matter. It’s slow, inconsistent, and prone to human error.

Quandri changes that. Our platform doesn’t just collect policy data — it analyzes it. By using AI-powered automation, we handle the review process and provide brokers with a clear, prioritized view of what matters most for each renewal. This saves time, reduces risk, and unlocks revenue potential that often gets missed.

Here’s how our policy analysis works and what we actually check during every review.

Major changes year over year

Quandri automatically compares current and previous policy terms to identify what has changed. This includes premium differences, changes in coverage limits, added or removed coverages, deductible shifts, and other relevant policy-level updates.

Our platform organizes these changes in a renewal summary report within the broker management system, allowing brokers to see what’s different without doing a manual side-by-side comparison. Instead of reading the full policy, they see a list of changes that might impact the client experience, pricing, or risk, available for review in one spot.

This streamlined insight helps brokerages deliver proactive client service by highlighting key changes such as premium increases, claims history, endorsements, coverage limits, and new drivers or vehicles. With this information, brokers can initiate timely and informed conversations, rather than reactive ones. It also builds retention and trust by enabling transparent explanations of why premiums changed or what was added or removed. And by surfacing lifestyle or coverage shifts — like a new teen driver or a recent home renovation — brokers can better assess risk and ensure appropriate coverage, supporting more effective risk management.

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Upsell and cross-sell opportunities

Brokerages know that upselling and cross-selling not only increase revenue, but also helps retention — but identifying those opportunities manually across hundreds of accounts is nearly impossible. Quandri addresses this by scanning each renewal for predefined upsell and cross-sell conditions based on attributes the brokerage configures.

For example, if a personal lines policy doesn’t include umbrella coverage or has lower-than-recommended liability limits, our platform flags that policy as an upsell opportunity. These triggers are based on logic rules that reflect what your team has agreed are meaningful recommendations. The result is a renewal note or assigned activity that prompts the broker to reach out with a tailored suggestion. This helps increase revenue while maintaining relevance and trust with the client.

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Gaps in coverage and E&O risks

Missed coverage is a major source of E&O exposure. Quandri helps brokerages reduce this risk by ensuring that every policy is evaluated using a consistent set of rules. If a common or recommended coverage is missing — like sewer backup, comprehensive auto, or equipment breakdown — our system identifies that gap and surfaces it as part of the renewal analysis.

This reduces reliance on broker memory or individual judgment and introduces consistency into the review process. It also creates a clear standard across the brokerage for what is considered adequate coverage, helping your team offer more complete protection while lowering the chance of post-claim issues or missed documentation.

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Insufficient limits or deductibles

Quandri doesn’t just check whether coverage is present. We also evaluate whether the limits and deductibles meet minimum standards or fall below typical recommendations. For instance, if a property policy includes liability coverage under $1 million or a deductible that’s too high for the risk profile, the platform flags this as something the broker should review.

These recommendations are grounded in your brokerage’s preferences and can be customized to align with client segments or carrier expectations. Brokers are given clear context on why the issue was flagged, along with guidance on how to present alternative options to the client. This supports advisory conversations and helps ensure clients are better protected.

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Structural updates that matter

Details like roof age, heating type, or renovations can influence how a policy is rated and whether the client qualifies for certain programs. These data points are often missing or outdated, especially when they require digging through documents to confirm.

Quandri extracts and analyzes structural data from the policy file and flags missing or outdated information that could affect pricing or eligibility. This might include highlighting a roof that’s older than the insurer’s limit, or identifying when heating details are incomplete. Instead of relying on brokers to track these down, our platform does the work and brings the issue to the surface so the renewal can be handled accurately.

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Missing discounts and carrier-specific nuances

Clients expect their broker to find the best deal, and overlooking eligible discounts can directly impact satisfaction and client retention. Quandri helps brokerages meet that expectation by automatically identifying when discount conditions are met but not applied, such as multi-line, alarm system, or loyalty program benefits. For example, if a client holds both home and auto policies but lacks a multi-line discount, Quandri surfaces that gap in the renewal summary or activity feed, prompting the broker to act. 

Beyond common discounts, Quandri also analyzes carrier-specific guidelines and offers, allowing brokers to match clients with the best carriers based on nuanced criteria like telematics participation or bundling incentives. This not only maximizes client value but also positions the brokerage as more informed and proactive than competitors. 

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New or open claims

Claims activity influences how a renewal is approached. Whether it’s a recent claim that impacts pricing or an unresolved claim that affects risk, this information is critical but often buried or potentially missed.

Quandri integrates with claims data and scans for recent or open claims linked to the renewing policy. These claims are listed within the renewal summary, along with the date of loss and type of loss. This gives brokers immediate visibility into anything that might affect the renewal conversation, helping them take a proactive stance and build stronger relationships with their clients.

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Account-level audits

A clean account structure supports better reporting, automation, and outreach. Quandri goes beyond policy-level analysis and also checks account hygiene. This includes identifying missing email addresses, outdated contact information, open activities that haven’t been resolved, or inconsistent data entries.

These account-level checks help brokerages maintain better data quality across the board. It also ensures that your systems function properly and that your team can rely on workflows without manual cleanup.

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Actionable workflow assignment

To manage the increasing complexity and volume of personal lines renewals, Quandri enables brokerages to automate actionable workflow assignments that prioritize what matters most. Not every renewal carries the same weight; accounts with significant premium increases, missing discounts, or signs of customer dissatisfaction often demand faster, more tailored intervention. Quandri flags these high-impact policies and routes them to the appropriate team member based on the nature of the issue, ensuring the right expertise is applied to drive the best client outcome. This intelligent assignment not only boosts client satisfaction by accelerating response times, allowing brokerages to grow their renewal capacity without increasing headcount.

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Missing information and data clean-up 

Incomplete or inaccurate policy data can quietly undermine both operational efficiency and client retention efforts. Quandri helps brokerages identify and flag missing information — like email addresses, phone numbers, or required documentation — that can disrupt automated workflows, skew reporting, or delay outreach. Clean data not only powers better automation and communication, it also strengthens marketing and renewal campaigns, ensuring no client slips through the cracks. And from a compliance standpoint, maintaining complete records is critical, especially when documentation is legally required or subject to audit scrutiny

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From data to decisions, all in one platform

Quandri is more than a time-saver. It’s a policy review system designed to help brokerages operate more efficiently, generate more revenue, and reduce risk, all without adding additional pressure on your team.

Our platform turns messy, manual processes into clean, automated workflows. Instead of collecting data, we analyze it. Instead of asking brokers to read full policies, we show them what matters. And instead of missing opportunities, we help teams act on them confidently.

If you’re ready to level up how your team handles renewals, we’d love to show you what’s possible with Quandri. Book a demo today!

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