Ermos AI for renewal preparation.

Renewal season is the same task a hundred times: what changed against expiring, is it still right for this client, and how do we explain it. The comparison is document work an Ermos unit does clause by clause; the judgement about what it means for the client stays with the broker.

How it works on the unit

1
Expiring and offered terms are indexed

The current schedule, the renewal terms and the client's file sit on the unit together.

2
The comparison drafts

Changes in sums, excesses, endorsements, exclusions and premium, listed clause by clause with citations to both documents.

3
The client summary drafts

The comparison becomes a client-ready renewal letter in your house style: what changed, what it means, what you recommend discussing.

4
The broker settles it

Recommendations and market commentary are the broker's. The unit does the reading; the broker does the broking.

What it changes in renewal season

Every renewal gets the clause-by-clause reading that only the major accounts used to get, the client letters go out earlier, and the season's workload stops scaling with headcount, because users on the unit are unlimited.

Why on-premise matters here

Schedules and renewal terms describe clients' assets, operations and claims history. Comparing them on the unit keeps that picture inside the brokerage.

Common questions

Does it catch cover reductions?
Clause-level comparison lists every change with citations, which is precisely where quiet reductions hide. The broker reviews the list rather than hunting for it.
Can it recommend whether to accept renewal terms?
No. It gives the broker the complete comparison; the recommendation is the broker's advice to the client.
How does it handle mid-term endorsements?
Endorsements in the file are part of the expiring position, so the comparison runs against the cover as it actually stands.

See Dominion answering from your own documents.

A demonstration takes 30 minutes, uses no client data, and comes with no obligation.

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