Policy Processing & Back-Office Services — Kervigo Private Limited
Policy checking, endorsements, renewals, COIs, loss runs, and AMS data management — Kervigo handles every policy processing task for US independent agencies. 98%+ accuracy. 24-hour turnaround. Zero backlogs.
Every Policy Processing Task, Covered
Six core service areas covering the full policy lifecycle — from new business issuance through renewal, with every mid-term change and certificate request handled in between.
Policy Checking & Issuance
Every new policy reviewed against the application and quote before it reaches your client — catching coverage gaps, premium errors, and endorsement discrepancies that create E&O exposure.
- Coverage comparison vs. application & quote
- Premium and billing accuracy verification
- Endorsement and exclusion review
- Named insured and address confirmation
- Carrier portal submission & receipt confirmation
- Policy delivery coordination to insured
- AMS policy record creation and update
Endorsements & Mid-Term Changes
All mid-term policy changes processed accurately and on time — from simple address updates to complex coverage modifications — 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 and loss payee changes
- Lienholder and mortgagee updates
- Carrier portal submission and follow-up
- AMS endorsement record updates
Renewal Processing & Remarketing
Full renewal cycle management — expiry tracking, renewal summaries, and carrier remarketing support — so no renewal slips through the cracks and every account gets the attention it deserves.
- Expiry list management and 90/60/30-day alerts
- Renewal quote preparation and comparison
- Carrier remarketing for non-renewals and rate increases
- Renewal letter and proposal generation
- Declination and non-renewal documentation
- Renewal follow-up with carriers
- AMS renewal record updates
Certificates of Insurance (COIs)
Fast, accurate COI issuance across all ACORD forms — keeping 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
- COI renewal and expiry tracking
Loss Runs & Underwriting Support
Timely loss run requests, exposure summaries, and underwriting data preparation that helps your producers move faster on new business submissions and renewal negotiations.
- 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
- Declination documentation
AMS Data Management & Auditing
Clean, accurate AMS records are the foundation of a well-run agency. We audit, correct, and maintain your data — so your reports are reliable and your team isn't working from bad information.
- Policy record accuracy audits
- Duplicate record identification and cleanup
- Client and contact data standardization
- Expiry date and coverage data verification
- Activity log and note organization
- Custom report preparation
- Ongoing data hygiene maintenance
Policy Processing Is Where E&O Risk Lives
Most agency errors don't happen in front of clients — they happen in the back office. Kervigo's structured process eliminates the gaps.
Policy Errors Are Your Biggest E&O Risk
Most E&O claims trace back to a policy that wasn't checked properly — a coverage gap, a wrong limit, a missed endorsement. Our structured review process catches these before they become claims.
Processing Backlogs Kill Productivity
When endorsements pile up and renewals get rushed, mistakes happen. Kervigo maintains a consistent 24-hour turnaround regardless of your volume — no backlogs, no shortcuts.
Scale Without Adding Headcount
Growing your book shouldn't mean growing your processing staff. Kervigo scales with your volume — handling 50 policies or 500 with the same accuracy and turnaround.
Insurance-Trained Staff, Not Generalists
Every Kervigo team member is trained exclusively in US P&C policy workflows, carrier portals, and AMS platforms. You're not onboarding a generalist — you're adding a specialist.
Two Sets of Eyes on Every Task
Every policy processing task goes through a two-step review before it's returned to you. That's how we maintain 98%+ accuracy at volume.
First-Pass Processing
A trained processor works the task in your AMS and carrier portal, following your documented workflow exactly.
Quality Review
Every completed task is reviewed by a second team member against a structured checklist before it's returned to you.
Delivery & Documentation
Completed work is returned with a summary of actions taken. AMS records updated, carrier confirmations logged.
We Work in Your AMS
No migration, no disruption. Kervigo is trained on all major agency management systems and works directly in your existing setup from day one.
From Agencies Who've Made the Switch
"Kervigo caught a coverage discrepancy on a commercial policy that would have left our client underinsured by $500,000. That one catch paid for months of service."
Robert H.
Agency Principal — Pennsylvania
"COIs used to take my team half the day 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."
Michelle K.
Operations Manager — Florida
"We doubled our personal lines book in 18 months without adding a single back-office hire. Kervigo absorbed every bit of the volume increase without missing a beat."
Tom B.
Agency Owner — North Carolina
Policy Processing FAQ
What types of policies do you process?
We process personal lines (auto, home, umbrella, renters, boat) and commercial lines (GL, BOP, commercial auto, workers' comp, professional liability, excess/surplus). If your agency writes 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, every team member is NDA-covered, and we follow strict data security protocols.
What's your standard turnaround for policy processing tasks?
Policy checking and endorsements are completed within 24 hours of submission. COIs are typically returned within 2 hours. Loss run requests are followed up within 24 hours and typically returned by carriers within 24–48 hours. Urgent tasks can be escalated for same-hour processing.
Do you handle surplus lines and non-admitted carrier policies?
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 in non-admitted placements.
How do you handle errors or discrepancies you find during policy checking?
When we identify a discrepancy — a coverage gap, premium error, or endorsement issue — we flag it immediately with a clear description of the issue and recommended action. We don't just pass problems through; we surface them so your team can resolve them before the client is affected.
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 of tasks, and sign-off before we go live. There's no disruption to your existing operations during onboarding.
Other Services We Offer
Let Kervigo Handle Policy Processing — You Handle Growth
Most agencies are fully onboarded within 5–7 business days. Start with a free consultation — we'll map out exactly which processing tasks we'd take off your plate and what that's worth to your team.