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Insurance agencies, MGAs, and brokers invite operational and financial risks when renewal accuracy is hampered. Even a single unchecked discrepancy in a policy can lead to coverage gaps, client dissatisfaction, and costly E&O exposure. Policy checking essentially validates a newly issued or renewed policy against the original intent. It ensures that every coverage, limit, endorsement, and premium is exactly what the customer agreed to.
Backoffice Pro introduces a new standalone automation tool that streamlines and accelerates this critical function. With automated normalization and reconciliation handling the heavy lift, account managers can clear their workloads up to 5x faster and support a larger book of business.
| Feature | Manual Policy Checking (Human AM) | Automated Policy Checking (Our Tool) |
|---|---|---|
| Speed/Volume | Slow. AM reviews one document at a time. | Extremely fast. Processes multiple policies in minutes. |
| Accuracy | High human error risk due to fatigue and complexity. | High accuracy, zero fatigue. Flags all discrepancies consistently. |
| AM Role | Reviewer + Executor. Hours spent reading PDFs. | Validator + Corrector. AM only reviews flagged discrepancies. |
| Efficiency | Low. Administrative load impacts responsiveness. | Very high. AMs focus on client-facing and strategic tasks. |
The app automates policy checking, comparing up to five documents (e.g., expiring policy to renewal) to flag discrepancies and potential E&O exposure. Changes to premiums, classification schedules, and forms are highlighted in red, with AI providing summaries of modifications. The system efficiently catches nuanced changes, such as adding a state to coverage, that manual review might overlook. Supporting package policies and customized checklists, this workflow reduces policy review time from 15–30 minutes to just a few minutes.
Expertise in extracting, classifying, and validating complex insurance documents, including policies, binders, quotes, schedules, endorsements, and supplemental forms, using rule-based engines and AI-assisted parsing.
Deep proficiency in multi-point comparisons across policy artifacts, ensuring alignment of coverage, limits, forms, conditions, deductibles, and premiums with agency or carrier intent.
Strong command of carrier guidelines, underwriting rules, ISO/AAIS form structures, audit requirements, and E&O-risk controls to maintain accuracy and regulatory integrity.
Skilled in building scalable, repeatable workflows with standardized QA frameworks, SLAs, exception-handling logic, and automation-assisted review cycles.
Competence in data cleansing, discrepancy detection, validation checks, and error-proofing techniques to support high-volume, audit-ready operations.
Proficiency with automation platforms, document-processing tools, agency management systems, and integration pipelines supporting API, SFTP, and secure digital workflows.
We design the entire policy-checking architecture for each LOB, defining comparison logic, risk thresholds, carrier-specific rules, and workflow standards that enhance accuracy and reduce E&O exposure.
We deploy automation pipelines that extract, classify, and normalize data from binders, quotes, policies, schedules, and endorsements. We also run multi-point cross-document comparisons to detect discrepancies in coverage, premiums, limits, deductibles, and forms.
We combine automation and analyst review to process new business, renewals, and endorsements with 60–80% faster turnaround time and consistent quality across the book of business.
We integrate validated outputs with AMS, CRM, underwriting portals, and carrier systems via API/SFTP workflows that reduce manual entry and improve data integrity.
We maintain audit-ready controls, ensure alignment with regulatory and carrier standards, and provide analytics on discrepancy patterns, risk drivers, and operational trends.
Would you like help choosing the right plan for your business? Contact our agent, who will guide you through our customized plan, especially for you.
