Annual renewals are often handled late. A simple checklist can reduce last-minute stress and missed disclosures.
Start with business or household changes from the past 12 months: assets, liabilities, dependants, staffing, and operating model.
Gather policy documents, claims history, and key dates. Focus on factual completeness before discussing options.
Use review conversations to confirm understanding and next actions. Keep records with request_id and decision trace references.