AI for Insurance: Automated policy requoting

Every insurance agent knows that today’s market isn’t just about finding coverage; it’s about constantly proving value. With rates fluctuating and customers more price-sensitive than ever, agents have to work smarter, not just harder. Policy Requoting was once a nice-to-have, but in this market, clients are demanding it, and if they are not, it's because they are probably shopping elsewhere.

The issue is, policy requoting is a huge time sink. Reviewing every renewal manually? It’s time-intensive, error-prone, and nearly impossible to do at scale. The more policies you manage, the bigger the backlog, and the harder it gets to stay proactive. Agents know how crucial it is to bring the best options to clients at every renewal, but manual processes make it nearly impossible to keep up.

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The case for automated policy requoting in insurance

What’s driving the push toward smarter, automated requoting? It’s a mix of real-world market pressures and rising client expectations. Rates are shifting, sometimes with little notice, and the competition for every policyholder is fierce, especially with how easy it’s become to shop for and buy policies online. Personal lines clients are more likely to shop around if they think they can get a better deal elsewhere, which means agents need to be on top of their game just to maintain their book.

Requoting isn’t just about price. When you show clients you’re actively looking for the best fit and value year after year, you’re reinforcing your value as a trusted advisor. You’re also reducing E&O risk by reviewing each policy for new opportunities, potential gaps, and changes in coverage that could affect the client. That’s the level of proactive service clients look for.

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What is AI-powered policy requoting?

So what does AI bring to the table for policy requoting? It starts with automation — no more ad hoc and reactive requoting. Instead, AI-powered platforms can automatically extract all relevant renewal data based on intelligent “triggers” (think: a jump in premium, monoline policies, or after a set time with a specific carrier) that signal when a requote is needed.

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AI-driven analysis means agents instantly receive the top options, so that they have the information they need to proactively advise their clients. It’s efficient, and helps agents act fast when it matters most. When your agency’s criteria is met, Quandri instantly launches a real-time search for competitive quotes across 300+ carriers. If there are more competitive quote options available, Quandri will automatically finalize the quotes within the carrier portal and deliver the results in an easy-to-read overview. No more rekeying client data, logging into different  portals or waiting on manual rating. 

Quandri’s approach to policy requoting

Quandri’s Renewal Intelligence Platform was built with personal lines agencies and their unique challenges in mind. The platform’s Requoting capability automatically identifies policies that meet configurable thresholds — such as significant premium changes, specific carriers, or custom logic your agency sets. When these triggers are hit, Quandri extracts all the necessary policy details, to automatically generate real-time quotes with partner rating services and carriers.

What sets Quandri apart is its seamless integration with Applied Epic. A summary of the topl quotes comes straight back into your AMS in an activity note For agents, this means less time chasing data and more time delivering value to their clients. For clients, it means transparency, more choices, and greater trust in the process.

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Benefits and ROI: From cost savings to client loyalty

Adopting AI-powered requoting delivers a host of benefits for agencies, starting with the most valuable asset of all: time. Manual requoting can take up to 90 minutes per policy, but automation can reduce it to just 5 minutes of decision-making. That means agents spend less time on repetitive admin and more time focused on advising and building client relationships.

Just look at what Blue Ridge Risk Partners achieved: after implementing Quandri’s AI-powered Requoting, they saw a 94% time savings on requoting alone, which contributed to a 1.5% increase in retention and a 21% drop in cancellations.

The retention impact is significant. When clients know their agent is actively looking out for their best interests, they’re less likely to shop around or lapse at renewal. Automated, consistent review of every policy also helps minimize this risk by making sure clients aren’t missing important coverages or left exposed by market changes.

Ultimately, AI-powered requoting doesn’t just make existing workflows more efficient – it enables real growth. With better client satisfaction and streamlined processes, agents can serve more clients without sacrificing quality or compliance.

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Workflow example: A day in the life with AI requoting

Imagine a typical busy renewal time. As new downloads arrive in your AMS, Quandri automatically reviews each policy and identifies which ones need to be requoted based on your agency preferences. Underwriting details are pulled, and real-time quotes are generated. If no competitive options exists, this is added in an activity note directly in your AMS. If there are better coverage options available, Quandri will automatically finalize the quotes within the carrier portal before displaying the results in a dashboard for your agents to decide which quote to recommend. Top quote options are also highlighted within an activity note in Epic.

The agent reviews these insights, and reaches out to the client, either letting them know they are already with the best option or with a recommendation and a clear explanation. No manual data entry, no missed deadlines, and no risk of sending a client into renewal limbo. The result is a faster process, happier clients, and a team that’s freed up to focus on what really matters: advice, service, and growth.

This isn’t just a vision for the future. Agents are already using Quandri’s requoting automation to eliminate backlog, keep clients loyal, and build their businesses in a competitive environment.

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AI-powered requoting is the future of insurance

The world of insurance is only getting faster and more complex. For US agencies, AI-powered policy requoting isn’t a nice-to-have; it’s an essential capability for anyone who wants to compete, retain clients, and stay ahead. Automation is raising the standard for agents and delivering a better experience for clients at the same time. 

Don’t get stuck in the past. See how Quandri’s requoting can fit into your workflow — book a live walkthrough today.

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Frequently asked questions

What is AI-powered policy requoting and how does it work?

AI-powered policy requoting automatically  extracts policy data, identifies which policies need to be requoted, and then generates real-time competitive quotes and finalizes the most competitive options within the carrier portal. The final results are displayed in an easy-to-view dashboard and a summary is added as an activity note within your AMS. Agents review the options and communicate recommendations directly to clients.

Which types of policies can be requoted using Quandri’s solution?

Quandri’s Requoting capability supports personal lines home and auto policies. These are the most common policy types & are often the driving factor when deciding to remarket an account.

How does Quandri identify which policies need to be requoted?

Your agency can configure what triggers a requote — like premium increases, monoline accounts,carriers, or other agency-specific criteria.

What systems does Quandri’s requoting solution integrate with?

Quandri integrates with Applied Epic, so all quote summaries are pushed into your AMS as activity notes and additional activities are created once requotes are completed.

How do agents review and act on AI-generated quotes?

Agents receive recommended quote options, insights, and flagged coverage differences directly in the Quandri platform, making it easy to review, communicate, and act quickly with clients.

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