Limits and deductibles
Changes by coverage, location, vehicle, class, or peril.
Commercial Insurance Renewal Comparison Software
See what changed before the renewal meeting. Compare the expiring policy with the renewal, flag coverage differences, and share a clear summary.
Renewal comparisonExampleExpiring policyPDF document
Renewal quotePDF document
| Coverage | Expiring | Renewal |
|---|---|---|
| Annual premium | $12,400p. 2 | $11,800p. 2 |
| Liability limit | $1M / $2Mp. 4 | $1M / $2Mp. 5 |
| Property deductible | $5,000p. 8 | $10,000p. 9 |
| Water backup | $25,000p. 12 | Not shownForms list |
Used by agencies nationwideCommercial, personal lines, benefits, and specialty teams.
Used By Independent Agencies Nationwide
In the example above
- lower annual premium
- $600
- higher property deductible
- 2×
- coverage question to resolve
- 1
Renewal changes worth surfacing
Forms and exclusions
New restrictions, removed endorsements, or wording that changes the risk.
Property details
Values, coinsurance, valuation basis, and catastrophe deductibles.
Liability structure
Primary, umbrella, aggregate, and attachment-point changes.
Premium movement
Changes in price with the coverage context kept beside them.
Open questions
Missing or conflicting source information for the team to resolve.
Start with the expiring policy
Use the current program as the baseline, including endorsements and schedule changes. See where the renewal changes the client’s protection.
Review once. Share clearly.
Build the client summary from the same comparison your team reviewed. Keep the sources and your recommendation together.
Keep control of the recommendation
- Verify each material change.
- Explain negotiated tradeoffs.
- Lead with the client’s key exposures.
- Keep a record of the review.
Questions brokers ask
What documents are needed for a renewal comparison?
Typically the expiring policy or prior proposal plus the renewal quotes. Schedules, statements of values, and other account documents can provide additional context.
Does CopyCat make the coverage recommendation?
CopyCat organizes and surfaces information for the broker’s review. The licensed professional remains in control of the recommendation and final client communication.
Can it handle E&S and Lloyd’s documents?
Yes. CopyCat is designed to work with inconsistent carrier, MGA, E&S, and Lloyd’s documents rather than requiring a preset carrier template.
Can the renewal comparison use our branding?
Yes. The finished proposal can match the agency’s logo, colors, section structure, and established format.
From the brokers using CopyCat.
“Coverage comparison made the sale easier. Sending a branded report comparing the renewal beat hopping on the phone every time.”
“Fast, accurate, a game changer. Repetitive tasks that used to eat our day are fully automated.”
See it with your own quotes.
Compare the details. Share a clear client summary.