Every renewal your agency touches carries the same quiet risk: the carrier re-underwrites, the declarations page totals look close enough, and the CSR or account manager clearing the renewal has forty other files open. So the dropped CG 20 37, the causes-of-loss form that slid from special to broad, the wind deductible that went from a flat dollar amount to 5%, none of it gets caught until a claim gets denied and the file lands on your E&O carrier's desk. Traditional policy checking services solve this by shipping your documents to an offshore back office, which means quote calls, per-file pricing you have to negotiate, turnaround measured in days, and someone outside your agency reading your book.
BindCheck is policy checking you run yourself. Upload the renewal and the expiring policy (or the accepted quote), and in about a minute you get a plain-English checklist of every form, limit, deductible and endorsement that changed — added, dropped, reduced, edition-changed, or missing — each finding cited to the page it came from. Pricing is a flat monthly subscription quoted on your renewal volume. No BPO contract and no minimum volume.
Built for the people actually clearing renewals
The person who catches a coverage change is rarely the producer. It's the CSR reconciling the renewal against the file, the account manager confirming the carrier issued what was sold, the assistant working through a stack of renewals the week before effective dates. Those people do not need a services contract and a login provisioned by procurement. They need to check one policy, right now, and move on. BindCheck is built for exactly that.
Upload two PDFs, get a checklist. No queue, no ticket, no waiting for an offshore team to open the file the next business day. Every finding points to the source page in both documents, so when a producer asks 'where did you see that,' you click straight to it instead of re-reading forty pages of forms schedule.
- CSRs and account managers: reconcile a renewal against the expiring policy in a minute, hand the insured a clean summary, and keep the checklist in the file.
- Producers: confirm the bound policy matches the quote you sold before it goes out the door — upload the accepted quote as the baseline instead of the prior policy.
- Small-agency owners: give the whole team E&O-grade renewal checking for a flat monthly price, not a per-file BPO invoice that scales with your busy season.
What a BindCheck renewal check actually flags
The diff is deterministic — the same two documents always produce the same result, so it holds up in an E&O file and there's no black-box 'the AI decided' to explain later. We compare the facts of every ISO/AAIS form (number, edition date, plain-English purpose) and every dec-page figure, across the lines a small commercial agency writes most:
- General liability: additional-insured forms CG 20 10 (ongoing operations) vs. CG 20 37 (completed operations) — a renewal that keeps 20 10 but drops 20 37 silently ends completed-ops protection; plus primary & non-contributory, waiver of subrogation, and new exclusions.
- Commercial property: causes-of-loss form CP 10 30 (special) downgraded to CP 10 20 (broad) or CP 10 10 (basic), coinsurance and agreed-value changes, and separate wind/hail or named-storm percentage deductibles.
- Commercial auto: covered-auto symbols on liability, hired/non-owned, and physical damage — a symbol change from 1 to 7 or 8 narrows what's actually covered.
- Work comp: Item 3.A states listed, and whether an entity or location dropped off the renewal.
- Limits, deductibles and self-insured retentions on every line — a deductible that ticked up is a coverage change even when the limits look identical.
A flat subscription vs. the per-policy BPO fee
The incumbent policy checking providers — Exdion, Patra, ReSource Pro and the offshore BPOs — are real services, but they're built for the carrier and large-brokerage market: you request a demo, negotiate per-file or FTE pricing, sign a services agreement, and route your documents through their staff. That model works at scale. It's a poor fit for a five-person agency that wants to check the renewal in front of them today.
BindCheck inverts it. It is a flat monthly subscription sized to your renewal volume rather than a fee per policy checked, with a REST API and MCP server for agencies that want checking wired into their management system. Your staff run it, your documents stay yours, and there is no volume floor you have to hit to make it worth someone else's while. When the renewal carries a manuscript endorsement — carrier-drafted, non-standard, no library meaning — BindCheck flags it for a human rather than guessing, so you're never handed a machine interpretation of language a machine can't read.