Insurance Back-Office Services — Kervigo Private Limited
From P&C policy processing to employee benefits enrollment, Kervigo covers the full spectrum of insurance back-office operations — so your producers and CSRs can focus on what actually grows your agency.
Property & Casualty — Full Back-Office Coverage
P&C agencies run on speed and accuracy. A missed endorsement, a late renewal, or an incorrect certificate can cost you a client — or worse, expose you to an E&O claim. Kervigo's P&C team handles every back-office touchpoint with the precision and urgency your agency demands.
Policy Checking & Issuance
We review every new policy against the application and quote to catch discrepancies before they reach your client — eliminating E&O exposure and rework.
- Coverage comparison vs. application
- Premium verification
- Endorsement accuracy review
- Carrier portal submission
Endorsements & Changes
From address updates to coverage modifications, we process all mid-term endorsements accurately and on time — keeping your AMS records clean and current.
- Mid-term policy changes
- Vehicle/driver additions & removals
- Coverage limit adjustments
- AMS record updates
Renewal Processing
We manage the full renewal cycle — pulling expiring policies, preparing renewal summaries, and flagging accounts that need producer attention before the deadline.
- Expiry list management
- Renewal quote preparation
- Carrier remarketing support
- Renewal letter generation
Certificates of Insurance
Fast, accurate COI issuance that keeps your clients and their certificate holders satisfied — without tying up your producers or CSRs.
- ACORD 25 / 27 / 28 certificates
- Additional insured processing
- Certificate holder management
- Bulk COI issuance
Claims Follow-Up & Support
We handle claims intake documentation, status tracking, and carrier follow-up — so your clients stay informed and your team stays focused.
- First notice of loss documentation
- Carrier status follow-up
- Claims log maintenance
- Client communication support
Loss Runs & Underwriting Support
Timely loss run requests, exposure summaries, and underwriting data preparation that helps your producers move faster on new business and renewals.
- Loss run requests & follow-up
- Submission preparation
- Exposure data compilation
- Underwriting questionnaires
Ready to offload your P&C back-office?
Most agencies are fully onboarded within 5–7 business days.
Employee Benefits — From Enrollment to Renewal
Benefits administration is detail-intensive, deadline-driven, and unforgiving of errors. Whether you're managing a 10-life group or a 500-employee account, Kervigo's benefits team handles every step of the back-office process — so your brokers can spend their time advising clients, not processing paperwork.
New Group Enrollment
We manage the full enrollment process for new groups — collecting employee data, completing carrier applications, and confirming coverage effective dates.
- Employee census collection
- Carrier application completion
- Enrollment form processing
- Coverage confirmation tracking
Open Enrollment Management
Open enrollment season doesn't have to be chaos. We handle the entire back-end — from employee change forms to carrier submissions — so your team can focus on client relationships.
- Change form collection & processing
- Carrier submission management
- Eligibility verification
- Enrollment confirmation reconciliation
Ongoing Eligibility & Life Events
Marriages, new hires, terminations, and qualifying life events — we process every change accurately and on time, keeping your groups compliant and covered.
- New hire enrollment
- Termination & COBRA processing
- Life event changes
- Dependent verification
Carrier Submissions & Reconciliation
We submit enrollment data to carriers, reconcile billing discrepancies, and resolve eligibility issues — reducing the administrative burden on your team.
- Electronic & paper carrier submissions
- Premium billing reconciliation
- Eligibility discrepancy resolution
- Carrier portal management
Renewal & Re-enrollment Support
We prepare renewal packages, coordinate employee communications, and manage the re-enrollment process — making annual renewals smooth for your agency and your clients.
- Renewal package preparation
- Plan comparison summaries
- Employee communication support
- Re-enrollment processing
Compliance & Reporting
ACA reporting, 5500 data preparation, and compliance documentation support — helping your agency keep clients on the right side of federal and state requirements.
- ACA 1094/1095 data preparation
- Form 5500 data support
- ERISA documentation assistance
- Compliance calendar management
Heading into open enrollment season?
Let Kervigo handle the back-end so your team can focus on client relationships.
Additional Services to Support Your Agency
Beyond P&C and Benefits, Kervigo offers a range of supporting services to keep your agency running at full capacity.
Risk Assessment & Underwriting Support
Comprehensive risk profiling, exposure analysis, and underwriting data preparation to help your producers write better business faster.
Agency Operations Consulting
Strategic workflow analysis and process optimization to reduce overhead, eliminate bottlenecks, and scale your book without adding headcount.
AMS Data Management
Clean, accurate AMS records are the foundation of a well-run agency. We handle data entry, record updates, and database hygiene across all major platforms.
Carrier & Client Communication
Professional, on-brand communication support — following up with carriers, coordinating with clients, and keeping all parties informed throughout the policy lifecycle.
We Work Inside Your Existing Systems
No rip-and-replace. No new tools to learn. We integrate directly into the AMS and carrier portals your agency already uses.
Using a platform not listed? Let us know — we adapt quickly.
From First Call to First Deliverable in Days
Our onboarding is fast, structured, and designed to cause zero disruption to your existing operations.
Discovery Call
We learn your agency's workflows, volume, AMS setup, and priorities — so we can build a plan that fits exactly how you operate.
Tailored Proposal
Within 24 hours, you receive a clear, itemized proposal — no vague packages, no hidden fees. Just a straightforward scope and price.
Rapid Onboarding
We set up access, document your workflows, and complete a test batch before going live — typically within 5–7 business days.
Ongoing Delivery
Your dedicated account manager oversees daily delivery, tracks quality metrics, and proactively flags anything that needs your attention.
"Kervigo handles our entire P&C back-office. Policy checking, endorsements, COIs — all of it. Our CSRs now spend their time on clients, not paperwork."
Mark T.
Agency Principal — Georgia
"Open enrollment used to take our whole team offline for six weeks. With Kervigo managing the back-end, we sailed through it without missing a beat."
Sandra L.
Benefits Broker — Illinois
"The accuracy is what sold me. I've worked with other outsourcing firms and always had to double-check everything. With Kervigo, I trust the work."
James R.
Independent Agent — Texas
Your Back-Office Shouldn't Be Your Bottleneck
Tell us what's slowing your agency down. We'll show you exactly how Kervigo can fix it — with a free, no-pressure consultation and a clear proposal within 24 hours.