Auto-Renewal

Overview

LAMS can automatically renew qualifying policies without requiring manual underwriter action. When a policy meets the auto-renewal criteria, the system creates the renewal application, applies the current rates, and generates renewal documents — all without intervention.

Which Policies Qualify

A policy qualifies for auto-renewal when:

• No significant claims in the prior term
• Premium change is within an acceptable range
• No pending underwriting issues
• The assigned producer has an active license in the policy state
• The policy has not been manually flagged for non-renewal

Note

Auto-renewal is not available for policies in California or New York. These states require manual underwriter review for every renewal.

How the System Processes Auto-Renewals

The system evaluates approaching expirations daily and processes auto-renewals for qualifying policies:

1. The policy is identified as expiring within the auto-renewal window.
2. All criteria are checked automatically.
3. If all criteria are met, the system creates the renewal application, copies over the existing policy data, and applies any updated rate filings.
4. Renewal documents are generated and sent to the producer.
5. If any criterion is not met, the policy is routed to the manual renewal queue for underwriter review.

Monitoring Auto-Renewals

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Renewals smart table filtered to auto-renewal policies, showing status column with Pending, Completed, and Failed values

Renewals smart table filtered to auto-renewal policies, showing status column with Pending, Completed, and Failed values

Navigate to Renewals > Renewal Tracking and filter by Type: Auto-Renewal to see all policies being processed automatically:

• Pending — Scheduled for auto-renewal, not yet processed
• Completed — Auto-renewed successfully
• Failed Criteria — Did not qualify; moved to manual review queue

Premium Changes on Auto-Renewals

Even for auto-renewed policies, the premium may change if the carrier has updated the rate filing since the original policy was written. The producer will see the updated premium on the renewal documents.

Tip

Review completed auto-renewals weekly to make sure no qualifying policies were incorrectly routed to the manual queue, and no non-qualifying policies slipped through.