Harnessing AI for smarter insurance renewals

Across the U.S., the most effective agencies are already using AI to automate manual renewal workflows and alleviate the administrative burden faced by agents on a daily basis. In fact, a 2024 survey by Conning Asset Management discovered that 77 percent of respondents have already started integrating AI into their processes. For agencies that have already deployed AI, they’re seeing benefits show up in multiple ways.

But how exactly are personal lines insurance agencies deploying AI within their existing day-to-day renewal workflows? And in what ways can insurance leaders strategically leverage AI innovations to deliver more value to clients?

Here are three use cases of AI in personal lines insurance. 

Scenario #1: AI is personalizing renewal outreach at scale

For most agencies, client outreach is one of those necessary but time-consuming tasks. Renewal reminders, policy updates, follow-ups and other client communications can take ample time to draft, review and send. And if an agent is handling thousands of client policy renewals per week, this time quickly adds up.

To help with renewal outreach, many agencies have traditionally turned to email marketing automation tools like Mailchimp. But unfortunately, these tools fail to automate outreach while also preserving that personal touch.

To counter this, agencies are finding ways to leverage Generative AI to automate the creation of personalized, context-rich renewal emails at scale, while ensuring each email is tailored to a client’s specific policy.

A capability like Connect, for example, can auto-generate personalized messages that incorporate policy changes and key renewal insights directly within an agent's Applied Epic workflow. And the benefits are already making themselves known. As Jessica Yelland, Director of Business Systems & Privacy at Harvard Western, explains: 

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“It’s a game-changer — our clients will receive renewal communications that are not only timely but also deeply personal and relevant to their needs. Our advisors will realize the benefits of AI-powered emails too, reclaiming precious time to devote to higher-value services that further enhance our clients' renewal experience.”

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Gen AI capabilities like Connect mean your agency can communicate proactively and consistently at scale, helping each agent stay visible and valuable across their entire book of business, boosting client satisfaction and, more importantly, client retention. 

Scenario #2: AI is helping agents with researching policy risks

Clients don’t always come prepared with every detail you need to quickly review their policy. For example, they might not know the exact year a property was built, or they may underestimate a location-based risk. 

Traditionally, this means agents spend valuable time piecing together missing information, which is a process that slows down the renewal process and leaves room for guesswork.

To support this, agents are leaning on AI for policy risk research. By analyzing key property data, local risk factors and coverage considerations in moments and surfacing these directly within a agent's BMS, agents can shift from reactive information-gatherers to proactive client advisors, leveraging the information an AI has collated to provide clients with an accurate and risk-free renewal.

Scenario #3: AI is identifying coverage gaps and reducing E&O exposure

Adjacent to researching policy risks is identifying coverage gaps or missed carrier updates. Perhaps a client has bought a new boat since their last policy renewal, or they bought a new house that now requires overland water coverage because of its location. 

These coverage gaps often slip through the cracks and, once found, they can quickly create dissatisfied and unhappy clients, as well as increase your agent’s risk of E&O exposure.

Traditionally, catching these issues relied on a agent's sharp eye and deep experience. But even the most seasoned professionals can’t manually cross-reference every data point across policies, client profiles and carrier changes in real time for their entire book.

This is where AI is quietly transforming the way agents work. It’s not taking over the process, but it is helping agents identify potential coverage gaps and discrepancies early into a renewal workflow, making it easier for agents to address gaps before a policy is renewed. 

What this does is turn agents into a more proactive, more strategic advisor. Instead of reacting to frustrated clients calling in or dealing with last-minute surprises, agents themselves can initiate informed conversations about evolving policy risks and build trust and confidence with each client by advising them on the best decision to make, all while also protecting the agency from avoidable mistakes.

Turning intelligence into impact with AI

AI-powered renewal intelligence is quietly reshaping how the best agencies operate on a daily basis. Whether it’s personalizing client outreach or proactively identifying coverage gaps, technological innovations are helping agents elevate their role from task manager to trusted advisor.

The lesson for insurance leaders? This technology isn’t replacing human judgment, it’s amplifying it. Ultimately, it’s giving agents the insights and capacity they need to focus on what matters most: building stronger client relationships and driving smarter business decisions.

To learn more about how Quandri is helping agencies deploy AI to transform client outreach and boost client retention, explore our Connect capability here.