The Real Problem with Personal Lines Remarkets

In the world of insurance, policy renewals are a vital revenue engine—often accounting for up to 90% of an agency’s book of business. But while renewals may seem routine, managing them efficiently and effectively is anything but.

For most agencies, the true challenge isn’t technical. It’s volume.

The Hidden Cost of Renewal Volume

The sheer number of renewals each month creates a compounding effect. Every policy needs to be reviewed, evaluated for risk, and in many cases, re-marketed. Multiply this by hundreds—or even thousands—of accounts, and you have an operational burden that quickly consumes your team’s bandwidth.

As renewal volume grows, a few consistent patterns emerge:

Team Capacity Gets Stretched
Account managers and producers are overloaded. They struggle to manage the work, and as a result, many simply can’t get to every policy that needs attention.
Cherry-Picking Becomes the Norm
When time runs short, teams prioritize “easy wins” or “important” accounts—like high-premium clients—while others fall through the cracks.
Client Experience Becomes Inconsistent
Some clients get white-glove treatment with proactive outreach and pricing reviews. Others receive a generic renewal notice and no engagement. The outcome? Lower retention, reduced trust, and uneven service.

The Root of the Issue: Inconsistent Workflows

It’s not that agencies don’t want to deliver great service across the board. They just don’t have the capacity to do it manually at scale.

So, the real question becomes: How do you maintain consistent service across your entire book of business—especially in personal lines—without increasing your workload or headcount?

The Answer: Smart, Automated, Consistent Renewal Workflows

This is the problem ReFocus AI set out to solve.

We believe every client deserves a great experience—whether they’re a $500 renters policy or a bundled home and auto account. And we believe your team shouldn't have to burn out trying to deliver it.

With ReFocus AI, we remove the guesswork and manual burden by automatically:

Prioritizing policies that need attention based on rate increases, account changes, and engagement history
Surfacing reasons for retention risk so your team knows why an account may need to be re-marketed or contacted
Generating tasks inside your AMS/CRM so workflows are standardized and nothing falls through the cracks
Launching remarketing workflows automatically when accounts meet predefined thresholds—like a 20% premium hike or claims activity

The result? A consistent, intelligent renewal process that touches every policy—without demanding more time from your team.

Consistency Without More Work

Agencies using ReFocus AI report:

✅ 70% less time spent managing renewals manually
✅ More accounts touched, more consistently
✅ Increased retention due to personalized, proactive engagement
✅ Reduced burnout by automating repetitive workflows

This isn’t just about efficiency—it’s about leveling up your client experience across the board.

Start Scaling

If your agency is cherry-picking renewals out of necessity, it’s time to rethink your approach. Renewal volume will only increase as your agency grows. But that doesn’t mean your team needs to work harder.

With ReFocus AI, you can finally match the scale of your renewal volume with the scalability of your systems.
Every client gets the attention they deserve—and your team gets the breathing room to focus on what matters most.