Client story
Independent commercial insurance agency
96 more accounts stayed.$336K in commission.
Earlier renewal preparation gave the agency more room for the client conversation. Licensed staff retained the coverage decisions.
Verified client result
- Annual agency commission associated with added retention.
- $336K
Annual agency commission associated with added retention.
- Retention, up from 90%.
- 94%
Retention, up from 90%.
- Monthly renewal preparation released.
- 300 hours
Monthly renewal preparation released.
One full annual renewal cycle, adjusted for cancellations
This case study reflects measured Struq outcomes for this client.
- Business
- Independent commercial insurance agency
- Scale
- $8.4M annual agency commission ·48 employees ·18 service staff
- Buyer
- Priya S., agency principal, with Mark, head of service
- Period
- One full annual renewal cycle, adjusted for cancellations
- First scope and expansion
- One commercial segment →renewal readiness →submission and service coordination.
The challenge
The renewal date is clear. The information your team needs often is not.
The agency knew when each renewal was due. The challenge was preparing the review from records spread across its AMS, email and client correspondence. Service staff spent too much of the window assembling the account and following missing information.
The system
One segment, prepared for review.
The first operation covered one segment of the commercial book. It assembled policy and account context against a defined readiness checklist, tracked missing items and flagged conflicting records. Authorized agency staff retained coverage advice, market selection and binding.
First scope and expansion
Start
One segment, prepared for review.
The first operation assembled policy, account and correspondence context against the agency’s readiness checklist.
Establish
Missing information became visible earlier.
Readiness included explicit missing items and source conflicts. Authorized staff reviewed the account and made the professional decisions.
Expand
Carry the same discipline into service work.
The next potential scope covered submission preparation and routine service coordination, with ownership and decision boundaries retained.
The result
96 more accounts stayed.$336K in commission.
Account retention improved from 90% to 94% across 2,400 distinct annual renewals. The difference was 96 additional accounts retained. At a constant baseline annual agency commission of $3,500 per account, those accounts represented $336,000 in annual commission. Readiness improved and monthly preparation effort fell from 600 to 300 hours.
Commercial insurance agency · Baseline and result
Verified client result
Account retention
Of 2,400 distinct renewal accounts, 0 to 100%
Ready for review 45 days before renewal
Share of renewal accounts, 0 to 100%
| Measure | Verified baseline | Result |
|---|---|---|
| Distinct annual renewal accounts | Baseline2,400 | Result2,400 comparable accounts |
| Account retention | Baseline90% (2,160) | Result94% (2,256) |
| Review ready 45 days before renewal | Baseline55% | Result90% |
| Manual preparation per renewal account | Baseline180 minutes | Result90 minutes |
| Monthly preparation at 200 accounts | Baseline600 hours | Result300 hours |
The owner’s experience
“We get to the client conversation earlier, with the account ready. There is less last minute chasing.”
Why the scope expanded
The next scope could cover submission preparation and routine service coordination. It would use the same principle: prepare the information and move approved work while keeping professional decisions with authorized people. Retention continued to be assessed alongside market and pricing changes.
How we measured it
This result observes one full annual renewal cycle across 2,400 distinct accounts. Retention moved from 90% to 94%, a difference of 96 accounts. A constant $3,500 annual commission assumption isolates the retention effect from rate inflation. The $336,000 is agency commission associated with added retention, not premium volume. Market conditions, pricing and client changes also affect retention; an observed improvement alone does not establish that the system caused it.
- Financial basis
- Agency commission
- Period
- One full annual renewal cycle, adjusted for cancellations
See the assumptions and calculationHide the calculation
2,400 distinct renewal accounts × 4 percentage points = 96 additional accounts retained. At $3,500 baseline annual commission/account: $336,000 annual commission associated with added retention. At an assumed 60% contribution after producer compensation and other variable costs: $201,600 contribution. Premium volume is excluded.
Quality conditions
Coverage and binding stay with authorized staff. Measure readiness against a defined checklist, including explicit missing items. Log every source conflict; maintain service quality and complaint rates as the book expands.
Contribution is before Struq fees, incremental systems and implementation costs.
How much of your renewal window is spent assembling information instead of advising the client?
What could earlier renewal preparation protect?
Show us one segment of your book and the work around its renewal cycle. We will help you identify the most useful starting point.
30 minutes. One clear recommendation for your business.