Search "insurance policy checking software" and half the results are governance-and-compliance platforms that have never seen a dec page, and the other half are outsourcing firms that want a demo and a scoping call before they'll quote you. Neither one puts the actual renewal diff on your screen. BindCheck does: it's software your agency runs itself to compare a bound renewal against the expiring policy (or the accepted quote) and return an E&O-defensible checklist of every ISO/AAIS form, limit, deductible and endorsement that changed — added, dropped, reduced, or edition-changed — with each finding cited to its source page.
It's built narrow on purpose. Not a policy-administration suite, not a broad AI "coverage assistant," not a staffed BPO — one job, done deterministically. Two documents go in, the comparison comes back in about a minute, and a human stays in the loop on anything manuscript.
What policy checking software should actually compare
A real renewal check goes well past matching the premium and the named insured. The coverage that gets litigated lives in the form schedule and the endorsement list, where a single dropped or edition-changed form silently narrows the policy while the declarations page looks untouched. BindCheck lines the prior policy up against the renewal and flags every one of these, by form number and edition date:
- Additional-insured endorsements — a renewal that keeps CG 20 10 (ongoing operations) but drops CG 20 37 (completed operations) silently ends completed-ops protection the contract required.
- Causes-of-loss downgrades on property — CP 10 30 (special) quietly replaced by CP 10 20 (broad) or CP 10 10 (basic).
- Covered-auto symbol changes — liability moved from symbol 1 (any auto) to symbol 7 (specifically described autos) is a one-character edit with major consequences.
- Workers' comp Item 3.A states — a jurisdiction that fell off the Information Page is an uninsured-exposure gap.
- Waiver of subrogation and primary & non-contributory endorsements present last term but absent this term.
- Edition-date changes on core coverage forms like CG 00 01, which can narrow the grant of coverage between filings.
- Limits, sublimits, deductibles and retentions — line by line, with any reduction or raised deductible flagged as a coverage change.
Deterministic, page-cited, and E&O-defensible
The same two documents always produce the same result — the diff is deterministic, not a fresh guess each run. That matters because the output isn't just a convenience; it's a record. Every finding is cited to the page it came from, and every check saves as a dated artifact showing what was compared, what changed, and what got flagged. That's the consistent, documented coverage review an agents' E&O procedures audit looks for.
BindCheck doesn't grant an E&O premium credit — no software does. Some carriers offer credits to agencies that pass a documented procedures audit, often a Big 'I' Best Practices Operational Improvement Review, and consistent policy checking is one procedure such an audit evaluates. The credit is earned by the audit, not the tool; confirm eligibility and the amount with your own E&O carrier. What the software gives you is the documentation that audit — and any future E&O defense — expects to see.
Software you run, not a service you wait on
The named competitors in this space fall into two camps: demo-gated BPOs (Exdion, Patra, ReSource Pro) that route your files to an outsourced team, and enterprise AI platforms (Quandri, Qumis) sold through a procurement motion. Both take the checking — and often the judgment — off your desk. BindCheck keeps it in-house and automates the grind instead. You upload, you review the flagged changes, you own the client file.
Pricing is a flat monthly subscription quoted on your renewal volume and lines of business, with the REST API and MCP server available for agencies that want checking wired into their workflow. The diff engine is identical whatever the volume: you pay for throughput, not for features held back behind a sales team.
- An account and a working diff within days, with no scoping, no transition and no implementation project.
- Manuscript (carrier-drafted, non-standard) endorsements are always flagged for a human, never auto-interpreted.
- ISO/AAIS form facts only — number, edition date, plain-English purpose — never reproduced copyrighted form wording.
- The first comparison runs on a policy pair you choose, so you prove it on your own paper before you commit.