See your active policies, carrier concentration, and upcoming renewals in one place — so you can manage your book proactively instead of reacting when something lapses.
Who this is for: Insurance Brokers. Where: your Dashboard → Book of Business panel. Time: ~5 min to add your first policies; a quick glance each week after that.
Why this matters
Your book of business is your revenue. Knowing which carriers you've placed with, how much premium volume each one holds, and when policies expire lets you spot renewal windows early, avoid dangerous carrier concentration, and catch gaps before a client calls you.
Before you start
- An active Professional plan (the Book of Business panel is gated by the
underwriting_toolsfeature).
How to add a policy
- Open your Dashboard.
- Find the Book of Business panel.
- Click Add policy.
- Enter the details:
- Carrier name — the insurer backing the policy
- Policy type — homeowners, flood, wind, fire, earthquake, etc.
- Annual premium — the total annual premium
- Effective date and expiration date
- Coverage types — the perils and coverages included
- Click Save.
The policy appears in your book, sorted by expiration date (soonest first).
What you'll see
Summary strip at the top of the panel:
| Metric | What it tells you |
|---|---|
| Active policies | Total policies currently in force |
| Total premium volume | Sum of annual premiums across your book |
| Expiring in 30 days | Amber warning — renewals that need attention now |
| Expiring in 60 days | Upcoming renewals to start shopping |
Carrier concentration — horizontal bars show how much of your total premium volume sits with each carrier. A heavy concentration in one carrier means more exposure if that carrier exits a market or tightens underwriting.
Status badges on each policy:
| Status | Color | Meaning |
|---|---|---|
| Active | Green | Policy is in force |
| Expired | Gray | Policy term has ended |
| Cancelled | Red | Policy was cancelled mid-term |
| Non-Renewed | Amber | Carrier declined to renew |
| Pending | Blue | Policy is being placed, not yet bound |
Tips
- Review expiring policies weekly. The 30-day and 60-day counters tell you exactly which clients need re-quoting now.
- Watch carrier concentration. If more than 40-50% of your book sits with a single carrier, consider diversifying — a carrier exit or appetite change could disrupt a large portion of your revenue. See Alerts: carrier-exit & renewals for automated warnings.
- Link policies to clients. When you also use the Clients & deals pipeline, your book and your client relationships stay connected.
- Set up a CoverGuard Agent to scan your book for expiring policies and draft renewal reminders automatically. See CoverGuard Agents.
Troubleshooting
- "The Book of Business panel isn't showing" → it requires a Professional plan and the Insurance Broker role. Check your role under Account and your plan under Account → Subscription. See Billing & plans.
- "A policy shows as Expired but it was renewed" → update the expiration date to the new term's end date and set the status back to Active.
- "Premium totals look wrong" → the summary counts only Active policies. Expired, Cancelled, and Non-Renewed policies are excluded from the premium volume total.
Do this next
Add your current active policies so you have a baseline view, then check the 30-day expiration list and start your renewal outreach.
- Alerts: carrier-exit & renewals — get notified when a carrier exits or a renewal window opens
- CoverGuard Agents (automations) — automate renewal reminders and book health checks