P&C Insurance Back-Office Services — Kervigo Private Limited
Policy checking, endorsements, renewals, COIs, claims follow-up, loss runs — Kervigo handles the full P&C back-office stack for US independent agencies. 98%+ accuracy. 24-hour turnaround. Insurance-trained staff only.
Complete P&C Back-Office Coverage
Six core service areas covering every repetitive, time-consuming P&C task in your agency — each with a detailed task checklist and a clear turnaround commitment.
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 costly rework.
- Coverage comparison vs. application & quote
- Premium verification and billing accuracy
- Endorsement accuracy review
- Carrier portal submission & confirmation
- Policy delivery to insured
- AMS record creation and update
Endorsements & Mid-Term Changes
From address updates to coverage modifications, we process all mid-term endorsements accurately and on time — keeping your AMS records clean and your clients covered correctly.
- Vehicle and driver additions & removals
- Coverage limit and deductible adjustments
- Address and contact information updates
- Additional insured / loss payee changes
- Carrier portal submission and follow-up
- AMS endorsement record updates
Renewal Processing & Remarketing
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 and 90/60/30-day alerts
- Renewal quote preparation and comparison
- Carrier remarketing support for non-renewals
- Renewal letter and proposal generation
- Declination and non-renewal documentation
- AMS renewal record updates
Certificates of Insurance (COIs)
Fast, accurate COI issuance that keeps your clients and their certificate holders satisfied — without tying up your producers or CSRs for hours each day.
- ACORD 25, 27, and 28 certificate issuance
- Additional insured and loss payee processing
- Certificate holder database management
- Bulk COI issuance for large accounts
- Auto-certificate setup in AMS
- Holder notification and delivery
Claims Follow-Up & Support
We handle claims intake documentation, carrier status tracking, and client communication — so your clients stay informed and your team stays focused on new business.
- First notice of loss (FNOL) documentation
- Carrier submission and adjuster follow-up
- Claims status tracking and log maintenance
- Client communication drafts and updates
- Subrogation and recovery tracking
- Claims file closure documentation
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 and carrier follow-up
- New business submission preparation
- Exposure data compilation and formatting
- Underwriting questionnaire completion
- Supplemental application support
- Submission tracking and status updates
What Agencies Gain When They Outsource P&C
The agencies that grow fastest aren't the ones with the most staff — they're the ones who've figured out what to stop doing in-house.
10–15 Hours Saved Per Week
P&C back-office tasks — policy checking, COIs, endorsements, renewals — consume the majority of your CSRs' time. Offloading them to Kervigo gives your team back their day.
Dramatically Reduced E&O Risk
Our structured quality review process catches coverage gaps, premium errors, and documentation issues before they become claims. Clean files from day one.
Scale Without Hiring
Growing your book shouldn't mean growing your headcount. Kervigo scales with your volume — handling 50 or 500 policies with the same accuracy and turnaround.
Insurance-Trained Staff Only
Every Kervigo team member is trained exclusively in US P&C workflows, carrier portals, and AMS platforms. You're not onboarding a generalist — you're adding a specialist.
Simple, Repeatable, Reliable
Every task follows the same four-step process — so you always know what to expect and when.
Task Received
You submit tasks via email, AMS notes, or your preferred workflow. We confirm receipt and set expectations on turnaround.
Processing
Our trained team works the task in your AMS and/or carrier portal — following your documented workflow exactly.
Quality Review
Every completed task goes through a structured accuracy check before it's returned to you. No exceptions.
Delivery & Update
Completed work is returned to you with a summary of actions taken. AMS records are updated and ready.
We Work in Your AMS
Kervigo is trained on all major agency management systems. No migration, no disruption — we work in your existing setup.
From Agencies Who've Made the Switch
"Policy checking used to take my CSR half a day. Kervigo does it overnight and catches things we were missing. The E&O risk reduction alone is worth it."
James W.
Agency Owner — Georgia
"COIs were killing us during renewal season. Now they're back in two hours and I don't have to think about them. That's exactly what I needed."
Priya S.
Operations Manager — Illinois
"We grew our commercial book by 40% without adding a single back-office hire. Kervigo absorbed every bit of the volume increase without missing a beat."
Mark D.
Commercial Lines Producer — Texas
P&C Services FAQ
Which lines of P&C business do you support?
We support personal lines (auto, home, umbrella, renters) and commercial lines (GL, BOP, commercial auto, workers' comp, professional liability, excess/surplus). If you write it, we can process it.
How do you access our AMS and carrier portals?
We work directly in your AMS using a dedicated login you create for our team. For carrier portals, we use credentials you provide. All access is logged, and we follow strict data security protocols including NDA coverage for every team member.
What's your standard turnaround time for P&C tasks?
Most tasks — policy checking, endorsements, COIs, loss run requests — are completed within 24 hours of submission. COIs are typically returned within 2 hours. Urgent tasks can be escalated for same-hour processing.
Do you handle surplus lines and non-admitted carriers?
Yes. We work with both admitted and non-admitted carriers. Our team is familiar with surplus lines documentation requirements, stamping office procedures, and the additional compliance steps involved.
How quickly can we get started?
Most agencies are fully onboarded within 5–7 business days. That includes a discovery call, workflow documentation, a test batch, and sign-off before we go live. There's no disruption to your existing operations during onboarding.
Other Services We Offer
Let's Talk About Your Agency's Workflow
Most agencies are fully onboarded within 5–7 business days. Start with a free consultation — we'll map out exactly which tasks we'd take off your plate and what that's worth to your team.