Revenue renewing in 90 days
—
— clients in the queue
At risk in the queue
—
—
Actionable this week
—
risk ≥ 68, renewing ≤ 28 days
Client retention
—
—projected at current settings
Renewal queue — next 90 days
Tap a client for the full picture and Sally’s play
Renewal flow — 13 weeks
Weekly revenue renewing, secure vs at-risk
Understated asset values found
—
— clients with sums insured stale ≥ 3 yrs
Premium uplift if corrected
—
—and an E&O exposure retired
Policies per client
—
top quartile 3.6
Cross-sell headroom
—
+0.3 policies/client across the book
Cross-sell matrix
Share of the 2,000 clients holding each line — darker = higher penetration
Underinsurance scanner
Construction costs +27% since 2021 — sums insured that never moved
Fee conversion candidates
Softening property accounts where a flat fee beats a shrinking commission
Candidates
—
Revenue protected p.a.
—
Included in the Defend & grow scenario — see CEO view bridge.
Admin hours per broker
15 hrs/wk
industry range 12–18 hrs
Renewal prep, one client
40 → 6 min
▼ 85% with copilot
Advising time returned
≈ 1 day/broker/wk
without hiring anyone
Capacity value unlocked
A$1.7M
A$100k per broker p.a. × 17 client-facing staff
Monday morning copilot — a worked renewal
Kirribilli Cold Storage Pty Ltd · ISR renewal · insurer terms landed 7:42 am
40:00manual prep
Two documents waiting in the renewals inbox — tap Run copilot.
✉️ RE: Kirribilli Cold Storage — renewal terms EMAIL
Hi team, please find attached renewal terms for the above insured effective 1 Oct 26.
Premium A$43,800 (expiring A$48,200). Excess now A$25,000 per claim. Flood cover is excluded this term per portfolio review.
Cyber sublimit reduced to A$250,000. BI indemnity period unchanged at 12 months.
📄 Policy schedule — expiring PDF · 28 pp
ISR Mk IV · Situation: 14–18 Wattle St, Kirribilli NSW
Premium A$48,200 · Excess A$5,000 · Flood: Included
Cyber sublimit A$500,000 · BI 12 months · Machinery breakdown included
| Term | Expiring | Offered | Flag |
|---|
RENEWAL REPORT — DRAFT
Report drafts itself here once the documents are parsed.
Where the broker week goes
Hours per broker per week, manual vs with copilot
Revenue, FY27 run-rate
—
—
EBITDA
—
—margin —
Commission at risk from rates
—
vs today’s book
Indicative valuation
—
—at 9.5× EBITDA
FY27 revenue bridge
Rate softening from the dials above · program levers from Defend & grow
Exit value ticker
—
every A$1 of EBITDA defended ≈ A$9.50 of exit value
EBITDA multiple
Defend & grow program
retention + underinsurance + cross-sell + fee conversion
Compliance
✓ DBFO informed-consent evidence 100%
✓ Exceptions 0
Every renewal in the queue carries its consent record — audit-ready since 9 Jul 2025.