How-to: Managing your book of business

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 Pro plan (the Book of Business panel is gated by the underwriting_tools feature).

How to add a policy

1. Open your Dashboard.
2. Find the Book of Business panel.
3. Click Add policy.
4. Enter the details:

• Carrier name — the insurer backing the policy
• Property — optional: start typing the insured home's address and pick it from the list. Savings Finder only looks at policies linked to a property, so link one if you want it to price this policy
• Policy type — homeowners, flood, wind, fire, earthquake, etc.
• Annual premium — the total annual premium. Optional, but it's the figure Savings Finder works from to show, in dollars, which upgrades could lower that client's bill (What CoverGuard watches for you)
• Effective date and expiration date
• Coverage types — the perils and coverages included

5. Click Save.

The policy appears in your book, sorted by expiration date (soonest first).

Add a policy from a closed deal

Already closed the deal in your pipeline? Skip the typing.

1. In the Deal pipeline on your Dashboard, find a deal at Closed Won.
2. Click Add to Book on that deal.
3. The carrier and premium are already filled in from the deal, and the deal's client and property come along too. Check them, add the policy type, number and dates if you have them, and click Add to book.

The deal then shows In book, so you can't add it twice. The policy shows up in your Book of Business straight away, and its details say Added from a closed deal. If you delete that policy later, Add to Book comes back on the deal.

What you'll see

Summary strip at the top of the panel:

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:

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.
• Find what each household is missing. Open Toolkit → Cross-Sell Recommendations. It reads the active policies in your book and, for each client (or each property, for a policy with no client), suggests:
• Flood — the property is in a FEMA flood zone, or its modeled flood risk is High or worse, and the household has no active flood policy.
• Umbrella — the home is worth $500,000 or more (from the policy's dwelling coverage or the property's estimate), and there is no umbrella policy.
• Auto bundle — there is an active home policy with a premium. Your book does not record auto policies, so check whether auto is already bundled; the saving shown is a modeled estimate of a typical multi-line discount, not a quote.

Each suggestion says why. Request quote opens that property's Record at its carriers, with the client attached, so the request goes through the usual quote-request form. A suggestion is a reason to ask, not a promise that a carrier will write the line or what it will cost. Link your policies to clients and properties — a policy with no property can't get a flood suggestion, and can't open a Record.

Troubleshooting

• "The Book of Business panel isn't showing" → it requires a Pro 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.
• "An entry says No premium recorded" → expand it and click Edit (or Add premium, where it appears) and fill in the annual premium — you add the figure without deleting and re-entering the policy.
• "I don't see Add premium on a policy with no premium" → it appears only on an Active policy linked to a property. Expand the policy, click Edit, pick the home in Property, and click Update — you link it without deleting and re-entering the policy. To unlink, clear the Property field the same way.
• "The home I'm looking for isn't in the Property list" → the list only offers homes already in CoverGuard. Look the address up in Search first, then come back and link it.
• "I don't see Add to Book on a deal" → it appears only on a Closed Won deal that isn't already in your book. A deal showing In book already has a policy. To add it again, delete that policy from your book first.
• "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