Case Study: Increasing Renewal Profitability Through Consolidation

The Challenge‍

A national broker managing a $6M D&O book faced a familiar industry challenge: too many small accounts, too much manual work, and too little margin. With many policies under $5K in premium and renewals spread across 20+ markets, profitability was getting squeezed.

To regain control and improve efficiency, the firm made a strategic decision to centralize all renewals under four preferred carriers. The move aimed to simplify placement, boost average commissions, and refocus producers on larger, higher-value accounts.

How Flow helped‍

Flow became the broker’s digital renewal desk, powering the transition to a four-carrier panel using AI-supported workflows to:

• Assemble complete, standardized submission packages
  
  
• Manage carrier communications and renewal tracking
  
  
• Execute placements quickly and consistently within the defined panel

This consolidation effort reduced renewal friction, eliminated market sprawl, and improved unit economics. On average, the broker increased commission by 20%, while internal teams were redeployed to higher-revenue growth opportunities.

Key Takeaway‍

By partnering with Flow to streamline renewals and consolidate distribution, brokers can increase profitability, regain control over placements, and position production teams to pursue more strategic business.

Contact a Flow Specialty broker today to learn how our placement services can help.