Insurance Renewal Data Refresh Agent

Commercial renewal forms often repeat last year's exposure data, such as payroll, revenue or vehicle counts. That leads to wrong premiums and coverage gaps. Ninety days before a renewal, this agent compares the client's current exposure evidence with the prior submission. It works through the fields in order of premium impact. A field is updated only when there is current, dated client evidence, and each value gets a source link. After each update it revalidates the totals that depend on it. Fields without support are marked incomplete and tracked, never filled with old values. The account manager approves client requests and the carrier submission. Edge case: a client reports 42 vehicles, but the schedule still lists 38 by VIN, so the agent flags the mismatch instead of updating the count.