Pre-renewal review checklist
A pre-renewal review for every commercial client, done in one pass
Before you go to market, check the current schedule for mistakes, missing covers, declared values, flood and listed building risk, sanctions and the latest Companies House figures.
Sample: a commercial schedule read and checked
Sample output — no sign-up needed
| Section | Basis | Sum insured / limit | Excess | Notes |
|---|---|---|---|---|
| Buildings | Reinstatement | £2,500,000 | £1,000 | Day-one uplift 15% |
| Contents & equipment | New for old | £350,000 | £500 | |
| Stock | Cost price | £180,000 | £500 | Seasonal increase 25% Oct–Dec |
| Business interruption | Gross profit | £1,800,000 | — | 24-month indemnity period |
| Employers' liability | Any one occurrence | £10,000,000 | Nil | |
| Public & products liability | Any one occurrence | £5,000,000 | £250 property damage | Products in the aggregate |
Want this for your next renewal? Run your own documents — 14-day free trial, no card required.
Run your own freeHow it works
- Step 1
Upload the current schedule
Add the statement of fact if you have it.
- Step 2
Run the review
Mistakes, cover gaps, declared vs insured, premises risks, sanctions and latest filed accounts.
- Step 3
Read the verdicts
Each check opens with All clear, Worth checking or Action needed and one plain sentence.
- Step 4
Prepare the client
Copy a pre-renewal email that asks the right questions before terms arrive.
Why brokers use it
- Latest turnover, wage roll and headcount from filed accounts.
- Flood and subsidence risk by postcode.
- Fresh sanctions screen on the client.
- Catch underinsurance before renewal, not at claim time.
Review your next renewal 60 days early.
£60 per user per month after a 14-day free trial with £10 of free credit. No card to start.