Proactive monitors that protect deals and policies: get warned when a carrier stops writing on a property you track, when a client's policy renewal is coming up, when a policy in your own book is coming up for renewal, and — for lenders — when a borrower's rate lock is about to run out.
Who this is for: Agents, brokers, and lenders. The carrier-exit and renewal alerts are Professional-tier; rate-lock alerts are not gated — every lender gets them. Where: alerts surface on your Dashboard — a carrier-exit widget plus the "Do next" triage at the top of the page. There's nothing to switch on; they generate automatically once the conditions below are in place.
Carrier-exit alerts
What it does: CoverGuard keeps a last-known writing status per (property, carrier). A delta scan diffs each fresh carrier lookup against it. When a carrier goes from actively writing → not, that's a carrier EXIT, and an alert is raised (INFO / WARNING / CRITICAL) for every user who saved that property.
Set it up:
- Save the properties you want monitored (see Saving & comparing).
- That's it — CoverGuard watches every saved property. When a carrier exits, the alert
appears on your dashboard.
- Acknowledge ones you've handled so your list stays focused.
Most useful for: agents (protect a deal), lenders (collateral / force-placement risk), brokers (re-shop affected policyholders early).
Renewal alerts
What it does: a daily scan reads each client's renewal date (from their current insurance record) and, as the renewal crosses the 60 / 30 / 7-day windows, raises one escalating alert (informational → warning → critical) to the owning agent or broker. It's deduped per window, so you get one nudge per milestone — never repeat spam.
Set it up:
- Record each client's current insurance with a renewal date — on the client's
detail view under Current insurance (see Clients & deals).
- That's all — the renewal windows are watched automatically.
- Acknowledge each alert as you re-quote.
Book renewal alerts (INSURANCE)
What it does: the same escalating 60 / 30 / 7-day window pattern as the renewal alerts above, but scanning your own book of business — the policies you've placed and tracked yourself — rather than a client's recorded renewal date. Each escalation emails you (and appears on your dashboard), so a policy renewal never slips past you unnoticed.
Set it up:
- Add your active policies to Book of business, with an expiration date on each
(see Book of business).
- That's all — the renewal windows are watched automatically, the same way client renewals
are.
- Acknowledge each alert as you resolve it from Book of business → Renewal calendar.
Emails: gated by the same Renewal reminders toggle in Account → Notifications as the client-renewal email above — turning it off silences both, since they're one concept to a broker. See Notifications & emails.
Rate-lock expiration alerts (LENDER)
What it does: a daily scan reads every Active entry in your Rate Lock Tracker and raises one alert per lock as it enters its last 7 days ("expiring"), and a second, more urgent one if it passes its expiration date while still Active ("expired"). Each one names the borrower and the date.
Where you'll see it:
- "Do next" at the top of your dashboard — the alert leads with the borrower's name and
whether the lock expires on that date or already expired on it.
- The Rate Lock Tracker card in your Toolkit, which shows a small count of how many
locks still need you. Both read the same list, so the two always agree.
- Your notification bell, and an email if Renewal reminders is on in
Account → Notifications.
Set it up:
- Add your locks to the Rate Lock Tracker (Toolkit → Rate Lock Tracker) with a
lock date and an expiration date.
- That's all — the 7-day window is watched automatically.
- Dismiss an alert from "Do next" once you've handled it. Extending, re-locking, or
closing the lock in the tracker clears its alerts too, so you never have to dismiss the same thing twice.
Most useful for: catching a lock that would otherwise lapse into a re-price — the expensive kind of surprise.
How the scans run
All four scans run daily (server-side cron, ~08:00 UTC, plus a redundant scheduled run). They're idempotent, so a property/renewal/policy/rate lock won't double-alert. Alerts also surface in the dashboard's "Do next" triage.
One email per scan, at 7am your time
Detection and notification are two different things, and they're deliberately paced differently:
- In-app bell + browser push fire per alert, immediately. Each alert stays its own
dismissible item, so you can work through them one at a time.
- Email is grouped and timed. Everything a scan finds for you is consolidated into a
single email, delivered at 7am in your own time zone (read from your browser; US Eastern until we've seen one). A market-wide carrier withdrawal trips every saved property in that market at once — you get one email naming all of them, most urgent first, not one per property. If a scan finds exactly one alert, you get the ordinary single-alert email.
Grouping never drops an alert: the digest lists every one it covers, and each remains individually listed here and in your bell.
Troubleshooting
- Alerts are locked / not showing → carrier-exit, renewal and book-renewal alerts are
Professional-tier. See Billing & plans. Rate-lock alerts are not gated — if those aren't showing, it's the cause below, not your plan.
- No carrier-exit alerts → you must have saved the property; alerts only fire for
saved properties. Also, an exit only fires on an actual status change.
- No renewal alert → confirm the client's renewal date is set; without it there's
nothing to scan. See AI & agents.
- No book renewal alert → confirm the book entry has an expiration date and status
Active; a policy with no expiration date has nothing to scan.
- No rate-lock alert → the lock must still be Active and inside its last 7 days.
A lock you've already marked Expired, Extended, or Closed is treated as handled and stops alerting — that's also why an alert disappears on its own once you update the lock.
- The "Do next" card and the Toolkit count disagree → they shouldn't; both read the same
list. Reload the page, and if they still differ, tell us.
- One email instead of several → that's the digest. Open it — every carrier/property (or
client/renewal) the scan found is listed inside, and each is still its own item here.
- The email lagged the bell notification → expected: the bell fires on detection, the
email waits for your 7am slot. See Notifications & emails.
Do this next
Save the handful of properties you're actively tracking and record a renewal date on your current clients — then the alerts run themselves.
- Saving & comparing properties — turn on carrier-exit watching
- Clients & deals pipeline — record renewal dates
- Book of business — record your own book's expiration dates (INSURANCE)
- The Toolkit — where the Rate Lock Tracker lives (LENDER)
- Requesting a quote — act when an alert fires