AI prompt to prepare a commercial renewal

Commercial renewals go smoother when exposure updates, loss runs and the remarketing decision happen well before the expiration date. This prompt builds a 90/60/30-day checklist, and the platforms below help you remarket the account.

Below is a ready-to-copy prompt to prepare a commercial renewal, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Semsee and Bold Penguin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Create a 90/60/30-day commercial renewal checklist: exposure updates (payroll, revenue, vehicles), loss runs, remarketing decision, and client meeting. No client data.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of business, the coverage line and who the output is for). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Create a 90/60/30-day commercial renewal checklist: exposure updates (payroll, revenue, vehicles), loss runs, remarketing decision, and client meeting. No client data.

What a good result looks like

A good checklist works back from the expiration date: at 90 days gather exposure updates and loss runs, at 60 days decide whether to remarket and prepare submissions, and at 30 days meet the client to present options and confirm the binding decision. Each item should have an owner, so nothing waits until the last week.

Common mistakes and watch-outs

Renewals go wrong when exposures are stale (payroll, revenue, vehicles, locations) or loss runs arrive late. Don't assume last year's data is still accurate; ask the client to confirm in writing. Watch for coverage changes at renewal, such as new exclusions or endorsements, and explain them before binding.

How to adapt the prompt

Tailor the checklist to the account: add certificate holder updates for contractors, fleet schedules for transportation risks, or a cyber questionnaire for businesses that store customer data. Ask for a client-facing version that lists only what you need from them, plus a due date.

EXAMPLE output (placeholder data, not a real client)

Commercial renewal checklist - [Business Type] - expires [Date]

90 days out
- Request updated payroll, revenue, vehicle and location schedules (owner: [CSR])
- Order loss runs from current carrier (owner: [CSR])

60 days out
- Review losses and exposure changes; decide whether to remarket (owner: [Producer])
- Prepare submissions for selected markets

30 days out
- Client meeting: present options and coverage changes (owner: [Producer])
- Confirm binding instructions in writing
- Issue updated certificates after binding

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Semsee and Bold Penguin as described below.
Review before you use it. Verify exposures, limits and forms against the actual application and policy. Check every fact, name and number yourself.
Take the next step. Next, see: Prepare a commercial submission.

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

Semsee site ↗

Digital distribution platform connecting agents, partners, carriers and MGAs for commercial quoting.

How to use it

Remarket the renewal across carriers in Semsee.

Bold Penguin site ↗

Commercial submission platform; states its DeX AI reads, prices and routes submissions to markets.

How to use it

Use Bold Penguin to match the renewal submission with markets.

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Verify exposures, limits and forms against the actual application and policy.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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