Renewal Report & Insurance Manual Writer
Key points brochure
Spend your time advising clients — not re-typing schedules.
An AI-assisted tool for insurance brokers and authorised representatives, delivered as a Claude Desktop plug-in.
The compliance problem it helps you address
~50%
of all Code breaches reported across the sector are renewal-timeframe breaches — three years running, and up roughly 10% year-on-year.
2,077
breaches of section 7.2(a) — engaging the client at least 14 days before expiry.
38%
of all reported breaches came from that single commitment — the most-breached in the whole Code.
The Insurance Brokers Code Compliance Committee’s 2025 Annual Data Report names the causes: renewal processes not followed, manual error, system limitations, and resourcing pressure at peak periods. Every one of those is a process problem, not a knowledge problem — which is what makes it addressable. The same data shows breaches concentrated around failures to clearly communicate exclusions and changes to cover, reinforcing that a client-ready, plain-English document at every renewal is now a compliance control, not a nicety.
Lead feature — never miss a renewal date
Every build sets a review date at least three months ahead of each renewal, with calendar follow-ups scheduled well clear of the mandatory 14-day pre-renewal contact window — so the single most-breached commitment in the Code is never the thing that gets missed.
How it works — insurer documents in, client-ready report out
- 1
Intake gate
Every source document classified by class, type and period. Scanned schedules OCR'd. Insurer documents take precedence over last year's manual.
- 2
Extract
Insurer, policy number, period, limits, sub-limits, excesses and premiums pulled into a structured record — each figure carrying its source.
- 3
Reconcile
Diffed against the prior period. Every change recorded as “(prior X — replaced)”. Movements and status badges computed.
- 4
Generate
Program summary, plain-English dictionaries, uninsured risks, interested-parties register, pre-renewal schedule. Triggered red flags surface.
- 5
Render & gate
Word master and PDF delivery copy. A blocking preflight check stands between the draft and delivery.
What the client receives
Insurance Program Summary
Every class on one page — limits, excess, current and prior premium, status badge, totals.
A page per policy class
Insurer, policy number, period, next renewal, limits, excesses, key inclusions and exclusions.
Claims experience
Insurer loss runs normalised per class, cross-added.
Interested parties & certificates
Whether each noted interest is automatic under the policy or endorsement-only.
Key uninsured risks
The exposures a standard program will not answer — surfaced, never implied as covered.
Pre-renewal schedule
A review date set at least three months before every renewal date.
Defensible by design — the insurer’s document wins, every time
- 1Insurer policy schedule — The binding statement of limits, excesses, premium and endorsements for the current period.
- 2PDS / policy wording — Terms, conditions, exclusions and definitions.
- 3Endorsement schedules — Amendments to the schedule, in the order issued.
- 4Prior manual — Carried-forward context only. Never overrides the layers above.
- 5Program spreadsheet — Reconciliation and premium history.
A figure that cannot be sourced is marked for confirmation — never estimated, never carried forward without a source.
One engine, four documents
Pre-renewal report
Ahead of the renewal conversation — what is coming up, what moved, what needs a decision.
Renewal report
The full picture at renewal, reconciled against the prior year.
Insurance manual
The standing reference the client keeps, updated as each policy renews across the year.
New business proposal
Options compared, with the basis of recommendation documented for compliance.
Same source data, same house style, same reconciliation — four different documents from the one build.
Commercial availability
Territory
Australia only
Licence
Perpetual, version-pinned, single named user; supplied as-is
Included
Twelve months of point releases from the delivery date
Requirement
The licensee holds their own Claude subscription
Environment
Claude desktop app, Cowork mode
Boundary
General advice only — not legal advice, not personal financial advice
Source: Insurance Brokers Code Compliance Committee, 2025 Annual Data Report, released 17 June 2026 (414 broker submissions, calendar year 2025). Figures are cited as sector-wide trends, not the performance of any individual broker.
Supplied as-is under the AAIS End User Licence Agreement. Cover is defined by the insurer’s policy schedule, PDS and wording, which prevail over any summary the software produces. AAIS outputs do not constitute financial product advice, legal advice, or financial advice within the meaning of the Corporations Act 2001 (Cth). All outputs are reviewed and approved by the broker before any client-facing use.
Peter Beard
- Admitted Solicitor of the Supreme Court of New South Wales.
- Fellow of ANZIIF (CIP) — the Australian and New Zealand Institute of Insurance and Finance.
- Fellow of NIBA (QPIB) — the National Insurance Brokers Association.
- Member of the NIBA Risk Advisory Committee (RAC).
- Member of the Australian Insurance Law Association (AILA).
- Certificate program in Agentic AI — Johns Hopkins University, Whiting School of Engineering.