Commercial P&C runs on renewal cycles, carrier marketings, loss run gathering, and account rounding. Generic CRMs flatten this to accounts and deals. Strkr ships a CRM shaped around commercial insurance work with renewal pipeline, carrier marketing tracking, and AI drafting that reads like an insurance consultant.
Commercial P&C agencies run on renewal cycles that start 120 to 150 days before policy expiration. Each account has a renewal cycle, a carrier marketing effort, a loss run gathering workflow, and a cross-sell opportunity for additional lines. The pain points below are what Strkr onboarding hears from independent agencies and MGAs across property, casualty, workers comp, and management liability lines.
A book of 240 commercial accounts has roughly 20 accounts coming up for renewal each month. The producer juggles 15 to 25 active renewals simultaneously each at different stages (loss run request, carrier marketing, proposal, decision). Strkr ships a Renewal Cycle object with month-of-anniversary cohorts, cycle milestones (loss run request, carrier marketing, proposal, decision), and automated reminders at the 150, 120, 90, 60, 30, and 7-day marks.
An account marketing requires 5-year loss runs from the incumbent carrier. The carrier typically responds in 10 to 21 days which eats into the 120-day renewal window. Strkr tracks loss run requests as a workflow with automated follow-up at days 7, 14, and 21 and the AI-drafted escalation to the carrier underwriter when the first contact lags.
A renewal marketing goes out to 4 to 10 carriers. Each carrier replies on its own cadence with its own quote format and its own follow-up questions. The account manager chases carriers for two to three weeks per renewal. Strkr ships a Carrier Marketing object with per-carrier marketing status, response SLA, quote capture, and AI-drafted follow-up.
A commercial P&C account with just a property policy represents an un-rounded account. The potential expansion into workers comp, commercial auto, umbrella, management liability, and cyber doubles or triples the account premium. Most CRMs do not surface the gap between the account and the full policy set. Strkr ships an Account Rounding view that compares current lines against the industry-typical policy set and flags the gaps.
A P&C agency receives commission statements from 20 to 60 carriers monthly. Each is a different format with different account identifiers, different lag times, and different commission structures. Reconciling expected versus actual commissions eats a week of accounting time per month. Strkr ships a Commission Statement object with carrier import mapping, account reconciliation, split calculation per producer, and variance flagging.
Agency E&O exposure requires a documented record of account recommendations, declined coverage recommendations, and client-affirmed coverage decisions. A thin paper trail is an E&O liability. Strkr audit log captures every recommendation, every declined coverage note, and every client-affirmed decision with 90-day default retention tunable per tenant.
The default CRM schema does not reflect commercial P&C. Strkr ships a tunable schema with Account, Policy, Renewal Cycle, Carrier Marketing, Loss Run, Claim, and Commission Statement as first-class objects.
An Account carries insured name, industry (SIC/NAICS), key exposure data (revenue, payroll, vehicles, property values, employee count), anniversary month, in-force premium, assigned producer, and account manager. The schema drives the renewal cycle cadence and the account rounding analysis.
A Policy ties to the Account and captures line of business (property, GL, workers comp, auto, umbrella, D&O, EPLI, cyber, inland marine), carrier, limits, deductibles, premium, effective date, expiration date, and commission schedule. Policies roll up to the Account for current-coverage view.
A Renewal Cycle ties to the Account and runs from 150 days before anniversary through decision date. Milestones include loss run request, carrier marketing, proposal delivery, decision, and renewal paperwork. Automated reminders fire at the 150, 120, 90, 60, 30, and 7-day marks.
A Carrier Marketing captures carrier identity, marketing status, response SLA, quote detail (coverage, limits, premium), follow-up questions outstanding, and AI-drafted carrier response. Marketings roll up to the Renewal Cycle for the producer view.
A Loss Run captures the carrier, the policy period requested, the request date, the received date, and the loss summary. The schema drives the loss run gathering workflow with automated carrier follow-up and escalation.
A Claim ties to the Policy and captures claim date, claim type, status (open, closed, reopened), reserve, paid loss, and adjuster assignment. The schema supports claim tracking visibility for the account manager who serves as the client-side claim advocate.
A Commission Statement captures carrier, statement period, line-item breakdown by account and policy, split percentages per producer, and variance against expected commission. Import mapping handles the big carrier statement formats with declarative mapping for the long tail.
P&C communication is technical, consultative, and compliance-aware. Strkr AI drafts in the voice an insurance consultant would use with coverage detail, carrier-specific terminology, and the E&O-aware framing the client expects.
Strkr AI drafts the renewal kickoff at the 150-day mark referencing the current policy year, the key renewal milestones, the loss run gathering ask, and the strategic context. The producer approves and sends. The kickoff lands early enough that the client has time to gather exposure updates.
Strkr AI drafts the carrier marketing cover letter with the account exposure summary, the current coverage, the renewal strategy, and the carrier underwriting hooks. Each carrier gets a letter tuned to that carrier's appetite. The producer approves and sends to all carriers in one pass.
Strkr AI drafts the loss run request to the incumbent carrier with the policy periods requested, the request date, and the response SLA. The account manager approves and sends. Follow-up at days 7, 14, and 21 runs automatically with AI drafting.
Strkr AI drafts the account rounding recommendation with the current policy set, the industry-typical policy set, the coverage gaps, the exposure justification, and the expected premium. The producer approves and sends. Cross-sell cadence lifts because the opportunity is specific instead of generic.
Strkr AI drafts the renewal presentation outline with the current-state recap, the carrier marketing results, the coverage comparison, the premium comparison, the recommendation, and the implementation timeline. The producer tunes the slide outline and the strategic framing.
When a client claim lands in dispute Strkr AI drafts the coverage argument note with the policy citation, the loss context, the coverage analysis, and the ask of the adjuster. The producer approves and sends. The client sees active advocacy on their behalf which deepens the relationship.
For significant coverage decisions Strkr AI drafts the formal coverage recommendation memo with the risk analysis, coverage options, specific recommendation, and declined-coverage flag where the client chose to decline. The memo satisfies the E&O paper trail requirement without manual drafting.
Commercial P&C agencies run on two primary cockpits. The producer cockpit shows renewal pipeline, carrier marketing status, and account rounding opportunity. The ops cockpit shows commission reconciliation, loss run status, and E&O documentation.
The renewal cohort view groups active renewals by month-of-anniversary with this month on top. The producer sees the 18 accounts in-cycle this month, the 22 landing next month, and the 68 further out.
The carrier marketing section shows every marketing in flight with carrier, days pending, outstanding follow-ups, and current status. The account manager sees which marketings need a chase this week.
The loss run section shows every account with a loss run outstanding ranked by days from the 90-day marker. Accounts with incomplete loss runs flag because incomplete loss runs stall carrier marketing.
The account rounding section ranks accounts by expansion opportunity score (current policy count versus industry-typical, exposure data suggesting coverage gaps). The producer works the top 20 rounding opportunities each quarter.
The commission section shows monthly expected versus actual commission by carrier with variance flagged. The ops team works variances to resolution before the next statement arrives.
The claim section shows open claims with claim type, reserve, status, and account manager advocacy status. The ops lead sees claims that need producer involvement for client advocacy.
The comparison below is Strkr's P&C posture versus a legacy agency management system or a generic CRM applied to the same book.
| Feature | Strkr | Legacy AMS or generic CRM |
|---|---|---|
| Renewal cycle object | With milestone cadence and SLA clock. | Policy expiration date only. |
| Carrier marketing tracking | First-class with per-carrier status. | Note field. |
| Loss run gathering workflow | Automated follow-up at 7, 14, 21. | Manual tracking. |
| Account rounding view | Gaps versus industry-typical. | None. |
| Commission reconciliation | Carrier statement import with variance. | Excel reconciliation. |
| E&O paper trail | AI-drafted coverage memos. | Manual. |
| Claim advocacy workflow | Coverage argument drafting. | None. |
| Carrier terminology handling | AI knows ISO, carrier-specific forms. | Generic. |
| Pricing | Flat per seat. | Per-user with implementation fees. |
The playbooks below are patterns Strkr onboarding sees across commercial P&C agency deployments.
A 6-person boutique commercial agency in the Mountain West managed 240 commercial accounts across property, GL, workers comp, and auto. The managing partner spent 14 hours per week on administrative chase. Strkr onboarding ran a 14-business-day migration. Renewal cycle automation, carrier marketing tracking, and account rounding view landed on day one. The partner reclaimed 11 hours per week.
A 42-producer regional agency in the Southeast managed 1,800 commercial accounts with a mix of Applied Epic and legacy Access databases. The managing partner wanted the book on one modern surface. Strkr onboarding ran a 28-business-day migration with Applied Epic kept as the production system for binding and policy. Strkr became the renewal workflow and client communication layer. Account rounding grew 42 percent as the gap visibility surfaced opportunities.
A construction-industry specialist agency served contractor clients with workers comp, GL, auto, inland marine, umbrella, and surety bond lines. The producers needed specialized workflows for the contractor-specific exposures (project rolls, specialty subcontractor reviews, bond collateral). Strkr onboarding configured contractor-specific pipelines and the AI drafting with construction industry context. Win rate on new contractor accounts lifted 24 percent.
An MGA specialized in D&O, EPLI, and cyber liability for mid-market accounts. The producer team pursued accounts through retail broker channels. Strkr onboarding configured the retail broker scoring workflow and management-liability-specific pipeline configurations. Broker satisfaction scores lifted 18 points as quote cycle time dropped.
Book a 30 minute call. We will walk through the P&C schema, the renewal workflow, and the account rounding view with your actual book and producer team.
Strkr integrates with every major agency management system through its REST and GraphQL API, outbound webhooks with HMAC signing, and the published OpenAPI spec. The typical setup pulls policy data, commission data, and account demographics from the AMS while Strkr handles the renewal workflow, carrier marketing, and client communication. For Applied Epic, AMS360, HawkSoft, EZLynx, Vertafore QQCatalyst, and NASA Insurance Technologies the integration lands in one to two engineering sprints. The AMS stays as the production system for binding and policy data.
The AI drafting workflow produces formal coverage recommendation memos with risk analysis, coverage options, specific recommendation, and declined-coverage flags where the client chose to decline. The audit log captures every recommendation, every declined coverage note, and every client-affirmed decision with 90-day default retention tunable per tenant to the agency E&O policy requirement. The paper trail satisfies the typical E&O carrier expectation without manual drafting friction.
Yes. The admin configures specialty lines with specialty-specific workflow stages, documentation requirements, carrier marketing patterns, and quote templates. A producer working across standard P&C and specialty lines sees specialty-specific pipelines with cross-line reporting rolling up to the managing partner. The AI drafting handles specialty-line terminology (surety penal sum, aviation hull, marine cargo, environmental impairment) consistently.
Strkr prices flat per seat at $29 Starter, $59 Pro, and $119 Scale per user per month with a 14-day trial. For a 24-producer agency on Pro the monthly spend runs $1,416 for seats plus $49 for AI Enhancement. Applied Epic typically runs $150 to $300 per user per month plus implementation fees. AMS360 runs similar enterprise pricing. HawkSoft and EZLynx run $75 to $150 per user per month. Strkr sits competitive to lower on seat price and adds the AI drafting, modern renewal workflow, and open API posture.
The Commission Statement object captures carrier, statement period, line-item breakdown by account and policy, split percentages per producer, and variance against expected commission. Import mapping handles the big carrier formats (Travelers, Hartford, Chubb, Liberty, Hiscox, Zurich, AIG, CNA) with declarative mapping for the long tail. For carriers that ship statements as PDFs Strkr runs OCR to extract line items. The variance report flags commissions that landed below expected and routes to the ops team.
Yes. The Account Rounding view compares current policy set against the industry-typical policy set based on account industry, size, and exposure. An account with just property and GL in a trucking industry would flag workers comp, commercial auto, and umbrella as gaps. The producer sees the top 20 rounding opportunities each quarter with the expected premium opportunity and the exposure justification already drafted. Cross-sell cadence lifts because the opportunity is specific.
Strkr is HIPAA compliant with BAA on request (relevant for benefits-adjacent commercial lines), GDPR and CCPA compliant today, and SOC 2 Type II is in progress with a target of 2026-Q4. Integration tokens live in AWS KMS, platform credentials live in AWS Secrets Manager. The audit log captures every record read, record write, and AI call with 90-day default retention tunable per tenant to the state insurance regulation retention ceiling and E&O carrier policy. SSO (SAML and OIDC) is live on Scale tier through Clerk, MFA with TOTP plus text-based verification is live across all tiers, and Verified Domains are live on Scale tier.
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