Commercial insurance policy checking guides
Use practical, edition-aware guides for renewal comparison, E&O documentation, ISO form schedules, limits, deductibles, and endorsements.
Choose the exact question you need to answer
What is policy checking?
Policy checking is the structured comparison of an issued policy against the expiring policy or quote. What it catches, why it's an E&O control, and how to do it consistently.
Open page Policy checking libraryHow policy checking protects your agency from E&O claims
Failure to procure the expected coverage is a top agents' E&O claim. How a documented renewal policy-checking procedure defends the agency — and produces the coverage-review artifact an E&O procedures audit expects.
Open page Policy checking libraryReading ISO form numbers: CG, CP, CA and WC
How to read ISO/AAIS form numbers on a policy: what the CG, CP, CA and WC prefixes mean, why the edition date matters, and how to use the form schedule at renewal.
Open page Policy checking libraryAdditional insured endorsements: CG 20 10 vs CG 20 37
The difference between CG 20 10 (ongoing operations) and CG 20 37 (completed operations) additional insured endorsements, and why a renewal that drops one is a silent coverage gap.
Open page Policy checking libraryWaiver of subrogation, and why renewals drop it
What a waiver of subrogation does, the CG 24 04 and WC waiver endorsements, blanket vs. scheduled, and why a renewal that drops the waiver is a silent contract-compliance gap.
Open page Policy checking libraryWhat is a manuscript endorsement?
A manuscript endorsement is carrier- or broker-drafted, non-standard language with no library meaning. Why they're high-risk at renewal and why policy checking flags them for a human.
Open page Policy checking libraryThe commercial renewal review checklist
A step-by-step commercial renewal review checklist — named insureds, forms, limits, deductibles, endorsements and manuscript flags — the comparison that documents your checking procedure.
Open page Policy checking libraryPolicy checking outsourcing vs. in-house software: which fits your agency?
Policy checking outsourcing vs in-house software: cost, turnaround, control and E&O documentation compared for small commercial agencies. Diff your first renewal free.
Open page Policy checking libraryAI policy checking: what AI should do, and what it must never own
How AI policy checking actually works: AI reads the documents, but the diff must be deterministic and manuscript forms need a human. Try your first renewal free.
Open page Policy checking libraryThe Best Policy Checking Software: A 2026 Buyer's Guide
How to evaluate the best policy checking software in 2026: determinism, ISO form coverage, E&O documentation, self-serve, price. Run a free renewal check to compare.
Open page Policy checking libraryFailure to Procure Coverage: The E&O Claim, and How a Documented Renewal Check Defends It
Failure to procure coverage is ~1 in 5 agent E&O claims. See the fact pattern, how courts read it, and how a documented renewal check defends you. Run a free check.
Open page Policy checking libraryThe E&O premium credit: how it's actually earned
How agencies earn an E&O premium credit through a documented procedures audit, and where renewal policy checking fits as one evaluated procedure. Start your first check free.
Open page Policy checking libraryCG 20 37: the completed-operations additional insured endorsement
CG 20 37 grants additional-insured status for completed operations. Editions, why a renewal that drops it is a silent gap, and how to catch it. Run a free check.
Open page Policy checking libraryHow to read an ISO form number, left to right
Read any ISO form number in four parts: prefix, form-type digits, sequence, and MM/YY edition. Learn why the edition date decides a renewal — start a free check.
Open page Policy checking libraryThe workers comp renewal review checklist
A workers comp renewal review checklist: Item 3.A states, 3.C employers-liability limits, class codes, payroll, rates, mod and waivers. Diff your renewal free.
Open page Policy checking libraryGeneral liability renewal review: what actually changed vs. the prior policy
How to run a general liability renewal review that catches every CG form, limit and endorsement change vs. the prior policy — a step-by-step method. Try one free.
Open page