Do not let the renewal become a last-week paperwork scramble.
The strongest renewal review starts with a clean record of what changed in the business. Use this timeline to surface changes before they become quote delays or coverage questions.
A practical 60-day review.
Start where you are. If the policy expires sooner, combine the steps and flag the deadline immediately.
- 0145–60 days
Build the change log
List changes in operations, ownership, locations, revenue, payroll, vehicles, drivers, equipment, contracts, and subcontracting.
- 0230–45 days
Gather the records
Collect current declarations, renewal applications, loss runs if available, payroll and sales estimates, vehicle schedules, leases, and contract requirements.
- 0315–30 days
Review options
Compare limits, deductibles, exclusions, endorsements, payment terms, and carrier requirements instead of looking at premium alone.
- 04Before expiration
Close the gaps
Confirm binding instructions, payment, signed forms, certificates, lenders, landlords, vehicle changes, and the exact effective date.
Check every part of the business, not just the premium.
Nothing is submitted from this checklist. It is a preparation aid, not a coverage determination.
Turn the current business picture into a list of routes, records, and questions.
GuideWorkers' comp thresholdsRecheck employee-count and subcontractor questions before renewal.
TalkCall (813) 922-3055Bring the change log and policy deadline to a focused agency conversation.