Connected client policies now refresh automatically every 15 days, with field-level change history and alerts that tell agents exactly what changed before renewal

SAN FRANCISCO, Nov. 6, 2026 /PRNewswire/ -- InsurGrid, the policy data collection and AI workflow platform for property and casualty insurance agencies, today launched Policy Change Monitoring. The release automatically refreshes declaration pages and policy data for connected clients every 15 days, uses AI-powered extraction to turn the updated documents into structured policy data, and alerts agencies when a policy is cancelled, reinstated, renewed, not renewed, or materially changed.

Until now, the policy data an agency collected at intake started going stale as soon as it was saved. Carriers change premiums, adjust limits and deductibles, add or drop vehicles and drivers, and issue non-renewals, and agents usually find out when the client calls or the renewal arrives. Policy Change Monitoring keeps that data current and shows agents what changed, so producers can reach clients while there is still time to remarket.

The timing reflects a more volatile market. J.D. Power's 2025 U.S. Insurance Shopping Study found that 57% of auto insurance customers shopped for a new policy in the past year, up from 49% and the highest rate in the study's 19-year history. In homeowners insurance, a Senate Budget Committee review of non-renewal data from 23 insurers, representing about two-thirds of the U.S. homeowners market, found non-renewals rising from 2018 through 2023, with the highest rates concentrated in flood- and wildfire-exposed counties.

InsurGrid serves more than 2,500 agents, has collected more than 100,000 declaration pages, has processed more than 500,000 declaration pages through AI extraction, and has supported more than $250 million in closed premium. The platform connects to more than 450 carriers.

CEO Rohit Mittal explained the thinking behind the release: "An agency's policy data is only useful if it's current. Agents shouldn't learn about a non-renewal or a premium jump from an upset client. Policy Change Monitoring keeps checking connected policies in the background and tells the right person what changed, field by field, so they can call the client first and decide what to do next."

Key Features

• Automatic 15-Day Refresh — Connected client policies are re-checked every 15 days. Updated declaration pages and the full policy record, including coverages, discounts, drivers, vehicles, dwellings and claims, are refreshed in place, without creating duplicate clients or policies.
• AI-Powered Extraction on Every Refresh — InsurGrid's extraction engine re-reads each updated declaration page and converts it into structured, review-ready policy data, the same data that feeds policy comparison, proposals, ACORD forms and rating integrations.
• Cancellation and Non-Renewal Alerts — When a refresh finds a cancelled or non-renewed policy, the agency gets an email right away, so producers can step in before the client is left without coverage.
• Change Detection and Field-Level History — Each refresh is classified into named events (Cancelled, Reinstated, Renewed, Not Renewed, or Changed) with a field-by-field view of old and new values for premium, limits, deductibles, coverages, vehicles, drivers and dwellings.
• Agency Notification Controls — Agency admins choose which events trigger email alerts and who receives them: the client's assigned agent, all admins, or selected team members.
• Safe, Complete Updates — A refresh is applied only when the full update succeeds. If a carrier login changes or a refresh fails, the existing policy data stays as it was, the policy card shows a "Sync paused — action needed" status with the reason, and the agency is notified so the client can reconnect.

How Agencies Use It

Policy Change Monitoring supports the renewal and retention work agencies already do. A non-renewal alert gives a producer time to remarket before the term ends. A material change, such as a premium increase, a lowered limit or a removed driver, gives the producer a reason to review coverage with the client. A cancellation alert lets a CSR follow up before a coverage gap develops. Each alert is also a revenue opportunity: a reason to re-quote, add coverage or round out an account. Agencies can also keep watching connected policies for clients who left in the past year, so a premium jump or non-renewal on their current policy becomes a timely reason to win them back. A licensed producer reviews every alert and decides what to do with it.

Also New from InsurGrid

• Commercial Comparison Exports — Commercial policy comparisons can now be downloaded as PDF or Word documents for general liability, BOP, workers' compensation, commercial auto, commercial property, cyber, inland marine and commercial umbrella.
• Policy Extraction API — Agencies and technology partners can now call InsurGrid's policy extraction engine through an API-key authenticated public API.
• Agency Management System Export — Agents can export client documents and policy data to their agency management system and track push status from the InsurGrid dashboard.

Availability

Policy Change Monitoring is rolling out to InsurGrid customers on the $99-per-month plan. Automatic refresh applies to supported carrier connections that do not require multi-factor authentication at each login. Policies collected by manual upload are not refreshed automatically.

For more information or to book a demo, visit https://insurgrid.com.

About InsurGrid

InsurGrid is a policy data collection and AI workflow platform for property and casualty insurance agencies. Founded in 2019 and headquartered in San Francisco, InsurGrid turns declaration pages and carrier documents into structured, quote-ready policy data for intake, policy comparison, renewal, ACORD and COI, proposal and rating workflows, with a licensed producer reviewing every output. A Helium Ventures company, InsurGrid serves more than 2,500 agents, connects to more than 450 carriers, and has supported more than $250 million in closed premium.

Media Contact

InsurGrid: media@insurgrid.com | (628) 246-0040

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SOURCE InsurGrid