Best Time to Remarket Your Insurance: A Strategic Approach

One of the most common questions business owners ask is, when is the best time to start the process of remarketing my insurance? The short answer is simple. The earlier you begin, the better your chances of securing the strongest coverage, the most competitive pricing, and the best terms.

Too often, insurance programs are marketed at the last minute. Many businesses wait until there are just 60 to 90 days left before renewal. While this might seem like a reasonable window, it typically leaves very little time for strategic planning. It also limits opportunities for meaningful underwriting discussions and reduces the ability to explore better solutions that could align more closely with your business goals.

Why Timing Matters

Timing is critical when it comes to marketing your insurance program. Most insurance carriers begin evaluating submissions as early as 120 days before a policy’s renewal date. Submissions that arrive early are more likely to receive thoughtful consideration. This allows the underwriter time to understand your risk clearly, request any needed supplemental information, discuss concerns or provide recommendations, and conduct pre-inspections if they apply.

On the other hand, late submissions often result in missed opportunities. When carriers receive inconsistent or incomplete information late in the renewal cycle, they are more likely to decline the account or respond with higher premiums and stricter terms. The problem can be compounded if multiple agents submit to the same carrier. In most cases, the carrier will honor only the first submission it receives. If that submission is incomplete or poorly prepared, it can block your ability to obtain a competitive quote from that insurer altogether.

A Strategic Approach to Insurance Marketing

There is a better way to market your insurance program. Our agency focuses on a structured pre-market and market-to-carrier process that positions your account for success. This approach includes several key steps:

• We take time to understand your business, including your operations and goals.

• We work with you to clarify your risk tolerance so that you can make informed decisions about how much risk you are comfortable retaining.

• We develop a market strategy that presents your business in the best possible light.

• We engage underwriters early to address potential objections before any formal submission.

• We respond promptly to carrier feedback to help resolve underwriting concerns as they arise.

By working ahead of the renewal crunch, this process opens the door to better pricing, stronger terms, broader options, and greater flexibility from underwriters. The result is an insurance program that is better aligned with your business needs.

Ongoing Support Beyond Placement

Our work does not stop once your coverage is placed. We continue to support your insurance program with services designed to protect your business and help you manage risk effectively. These services include audit preparation, loss control response, claims analysis, contractual insurance reviews, experience modifier insights, and subcontractor insurance tracking. This ongoing support helps ensure your program remains effective and responsive to your evolving needs.

When to Start the Process

The best time to begin preparing for your next renewal is as soon as your current policy is issued. Ideally, you should start at least six to nine months ahead of the renewal date. Policies are usually delivered within 30 to 60 days after the effective date. Starting the process at that point gives your team and ours plenty of time to plan, position, and present your business thoughtfully.

Of course, if you are already within 90 days of your renewal date, we can still help. Our team is experienced in managing the process quickly and professionally, even on a shorter timeline. However, it is important to understand that the best results come when there is adequate time for strategic planning.

Let’s Connect

If you would like to review your renewal timeline or explore whether it makes sense to consider new options, let’s connect. There is no pressure. This is simply a chance to make sure your insurance program is aligned with your business goals and positioned for success.