Property and casualty insurance workflow runs on carrier appetite, submission tracking, policy renewal cadence, loss run analysis, and compliance posture. Strkr ships a CRM shaped around the P and C motion with carrier submission workflow, renewal pipeline, and claims context on the client card.
A P and C agency runs a workflow that no generic CRM understands. The sales motion is submissions to multiple carriers, not a single deal stage. The service motion is renewal cadence driven by policy anniversary. The claims motion affects loss ratio which affects next renewal. The carrier appetite drives which risks go where. The agency management system (AMS) owns the policy of record. The pain points below are what Strkr onboarding hears on every P and C agency intake call.
A commercial P and C submission goes to 3 to 7 carriers in parallel. Each carrier declines, quotes, or requests more information independently. Generic CRMs model this as one deal with a single stage. Strkr models the submission as a parent record with carrier-specific child quotes, each with its own status, premium, and underwriter contact.
P and C renewals run on policy anniversary date. A commercial lines agency with 1,200 policies needs to touch 100 policies per month. Generic CRMs show deals aging past 90 days as risk flags. Renewal workflow needs the opposite: 90 days before anniversary is the start of marketing, 60 days is quote delivery, 30 days is binding. Strkr ships renewal workflow with anniversary-driven cadence.
Each carrier has an appetite: industries, geographies, premium ranges, and loss history profiles they will quote. A $2M habitational risk with 3 recent losses goes to maybe 2 carriers. The CSR needs to know which carriers to submit to. Strkr tracks carrier appetite in a structured object with industry, geography, premium range, and loss profile filters.
The agency management system (Applied Epic, Applied TAM, EZLynx, AMS360, Hawksoft) owns the policy of record. The CRM needs to pull policy data without becoming the system of record. Strkr integrates with every major AMS through the standard webhook spec with HMAC signing: policy, premium, carrier, effective dates, endorsements all flow to the client card.
A commercial client with 2 open claims needs the renewal conversation handled differently than a loss-free client. The CSR needs claims context on the client card: open claims, closed claims by year, loss ratio trend. Strkr pulls claims data from the AMS or the carrier portal via webhook integration so the CSR has the loss context before the renewal call.
State insurance departments audit agencies on record retention, producer licensing, and policy documentation. The CRM needs an audit log that satisfies state department requirements. Strkr audit log captures every record read, record write, email sent, and AI call with 90-day default retention tunable per tenant to the state-required ceiling (typically 7 years).
The default CRM schema does not map to P and C insurance workflow. Strkr ships a tunable insurance schema with Client, Policy, Submission, Carrier Quote, Renewal, Claim, and Carrier Appetite as first-class objects.
A client in Strkr carries entity type (individual, LLC, corporation, nonprofit, government), primary industry (SIC and NAICS codes), named insureds, locations, and relationship history. The record drives the submission workflow and the renewal cadence.
A policy ties to the client with line of business (general liability, commercial auto, workers compensation, property, umbrella, cyber, EPLI, D and O), carrier, policy number, effective date, expiration date, premium, and endorsement history. The policy pulls from the AMS as the source of truth.
A submission ties to the client with the risk packet (loss runs, ACORD applications, financials for complex risks), the lines of business being quoted, the target carriers, the submission date, and the broker producer. The submission parents multiple carrier quote child records.
A carrier quote ties to the submission and the carrier with status (submitted, pending, quoted, declined, bound), quoted premium, underwriter contact, quote expiration, and conditions or endorsements. The CSR works the carrier quotes in parallel through the submission queue.
A renewal ties to the policy with the anniversary date, the renewal workflow stage (90 days marketing, 60 days quote delivery, 30 days binding, bound, lapsed), the carrier being renewed with, and the premium change. The renewal drives the agency pipeline during policy anniversary months.
A claim ties to the policy with loss date, loss type, claim status (reported, open, closed, denied), reserves, open amount, and carrier adjuster contact. Claims data pulls from the AMS or the carrier portal via webhook integration.
A carrier appetite record carries the carrier willing to quote industries (SIC codes), geographies, premium range, loss history profile, and specific exclusions. The CSR filters carrier appetite when deciding which carriers to submit to.
P and C agency AI needs to respect the professional insurance voice and the regulatory posture. Strkr AI drafts in the broker-professional tone with retrieval scope grounded in the client and policy record. The jobs below land in every P and C deployment inside the first two weeks.
Strkr AI drafts the submission cover email to the carrier underwriter with the client overview, lines of business, prior premium, loss experience summary, and target coverage. The broker reviews and sends with the ACORD applications attached. The cover email lands in a professional underwriting voice.
At 90 days before renewal Strkr AI drafts the renewal reminder email with the current policy summary, carrier marketing plan, and recommended discussion topics. The CSR reviews and sends. The renewal conversation starts early instead of 30 days before anniversary.
When quotes come back from multiple carriers Strkr AI drafts the quote comparison letter to the client with each carrier premium, coverage differences, carrier financial strength rating, and recommendation. The producer reviews and sends. The client makes an informed binding decision.
Before marketing a renewal Strkr AI drafts a loss summary memo with the policy loss history, severity trend, open claim reserves, and recommended marketing posture. The producer uses the memo in the carrier marketing strategy session.
When a client requests a certificate of insurance for a contract Strkr AI drafts the COI with the policy details, named insured, additional insured, certificate holder, and expiration date. The producer reviews, signs, and sends. The COI generation time drops from 20 minutes to 3.
For renewals that are 10 days from expiration without a bound renewal Strkr AI drafts a lapse prevention outreach to the client with the expiration risk, the carriers that have quoted, and the recommended action. The CSR reviews and sends. Lapse rate drops substantially.
A P and C agency CSR managing 180 to 400 commercial lines policies needs views that surface the right workflow at the right time. The cards below describe the Strkr agency operations views.
The renewal triage view groups policies by anniversary month with 90-60-30 day cadence status. The CSR works top-down each month to run the renewal workflow. The producer sees the renewal pipeline value for the next 90 days.
The submission queue shows open submissions with per-carrier quote status (submitted, pending, quoted, declined). The CSR works the queue daily to chase pending carriers and present quotes to clients.
When starting a new submission the CSR filters carrier appetite by client industry, geography, premium range, and loss profile. The picker returns the carriers that will quote the risk, with the underwriter contact and the preferred submission format for each.
The client card surfaces open claims and loss ratio trend during the renewal workflow. The CSR has loss context before the renewal call. Difficult renewal conversations run on data instead of surprise.
The producer scorecard view ranks producers by book of business, policy retention rate, premium growth, cross-sell depth, and claims adjustment. The agency owner sees producer performance in one view.
The agency pipeline view combines open submissions and upcoming renewals with weighted premium forecast. The agency owner sees forward 90 days of revenue in one view. The forecast call runs on prepared numbers.
Most P and C agencies try a generic sales CRM once and bounce because the schema does not fit insurance workflow. The comparison below is Strkr P and C posture versus a generic sales CRM applied to the same agency.
| Feature | Strkr | Generic sales CRM for P and C |
|---|---|---|
| Submission as parent with carrier quotes | Multi-carrier submission schema. | Single deal with manual workaround. |
| Renewal workflow | Anniversary-driven 90-60-30 cadence. | Deal aging stall at 90 days. |
| Carrier appetite | Structured industry and loss profile filter. | None. |
| AMS integration | Applied, EZLynx, AMS360, Hawksoft webhooks. | Custom integration required. |
| Claims context on client | Open claims and loss ratio on card. | Separate claims system. |
| Certificate of insurance workflow | AI-drafted COI from policy data. | Manual Word document. |
| Lapse prevention | AI-drafted 10-day pre-expiration outreach. | None. |
| State audit log | 7-year retention tunable. | 90-day default typical. |
| Producer scorecard | Book, retention, growth, cross-sell. | Deal volume only. |
The playbooks below are patterns Strkr onboarding sees across P and C agency deployments.
An 11-producer commercial lines agency in Dallas ran Applied Epic for the AMS and a shared Google Sheet for pipeline. The producer renewal retention was 86 percent. Strkr onboarding ran a 24-business-day migration with the Applied Epic integration via webhook and the renewal workflow configured. Renewal retention lifted to 92 percent in the first full renewal cycle.
A 25-producer personal lines agency ran EZLynx for the AMS and HubSpot for marketing. The commercial lines team wanted a dedicated CRM. Strkr onboarding ran a 28-business-day migration keeping EZLynx as the AMS and HubSpot for marketing automation while Strkr became the sales and service CRM. The commercial lines retention lifted substantially.
A 42-producer regional brokerage ran AMS360 for the AMS and nothing for CRM. Producer book of business visibility was a frequent agency owner complaint. Strkr onboarding ran a 32-business-day migration configuring the producer scorecard view, the carrier appetite picker with 42 carriers, and the submission workflow. The agency owner gained visibility into producer book of business for the first time.
An 8-producer specialty brokerage focused on habitational and construction risks ran Hawksoft for the AMS. Submissions ran to 15-20 carriers each. Strkr onboarding ran a 20-business-day migration configuring the carrier appetite picker for the specialty markets, the submission workflow with 15+ carrier parallel quoting, and the loss summary memo workflow. Submission turnaround time dropped from 11 days to 5.
A 60-producer multi-location agency ran Applied TAM for the AMS and a legacy CRM that nobody used. Strkr onboarding ran a 42-business-day migration configuring the full agency operations stack with location-specific producer books, carrier appetite scoped to each location, and the renewal workflow. The agency gained a cross-location pipeline view for the first time.
Book a 30 minute call. We will walk through the P and C schema, the carrier appetite picker, and the renewal workflow with your actual carrier list and policy book.
Strkr integrates with every major agency management system (Applied Epic, Applied TAM, EZLynx, AMS360, Hawksoft, Vertafore AgencyMatrix, QQ Catalyst) through the standard webhook spec with HMAC signing and the published OpenAPI spec. Policy data (policy number, carrier, effective dates, premium, endorsements), client data (named insureds, locations, contacts), and claims data flow from the AMS to Strkr. The AMS stays as the system of record for the policy. Strkr becomes the system of engagement for the sales motion, renewal workflow, and client communication. The typical AMS integration lands in an engineering sprint of two to three weeks.
The carrier appetite object in Strkr carries the carrier willing to quote industries (SIC and NAICS codes), geographies, premium ranges, loss history profiles, and specific exclusions. When starting a new submission the CSR filters carrier appetite by the client industry, geography, premium range, and loss profile. The picker returns the carriers that will quote the risk with the underwriter contact and the preferred submission format for each. The agency can maintain the carrier appetite internally or subscribe to a third-party appetite data service through the webhook spec.
The renewal workflow runs on policy anniversary date. At 90 days before anniversary Strkr fires the marketing cadence: AI-drafted renewal reminder email to the client, carrier marketing plan generated based on carrier appetite, loss summary memo for the producer. At 60 days the quote delivery cadence runs: carrier quotes come in through the submission workflow, AI-drafted quote comparison letter to the client, producer review call. At 30 days the binding cadence runs: client decision, binding paperwork, premium notice. At 10 days without binding the lapse prevention outreach fires. For a 1,200-policy agency this cadence runs across roughly 100 policies per month with the CSR working the renewal triage view as the primary workspace.
Strkr runs flat per seat at $29 Starter, $59 Pro, or $119 Scale per user per month with a 14-day trial. For a 15-producer P and C agency on Pro the monthly spend lands at $885 for seats plus $49 for Strkr AI Enhancement. AgencyBloc runs approximately $55 per user per month. The Vertafore and Applied Epic bundled CRM capabilities add approximately $45 to $85 per user on top of the AMS seat cost. Strkr sits in the mid-range on seat price while delivering the deeper AI capability for submission drafting, renewal cadence, and quote comparison that the AMS-bundled CRMs typically lack.
Strkr audit log captures every record read, record write, email sent, document generated, and AI call with 90-day default retention tunable per tenant to the state-required ceiling (typically 7 years for insurance records). For agencies licensed in multiple states the retention tunes to the longest-required ceiling across the states. Producer licensing data (NPN number, state licenses, continuing education) tracks on the user record. For state audits Strkr exports the audit log, producer licensing records, and policy documentation history in formats the state insurance department accepts.
Strkr is HIPAA compliant with a BAA available on request (relevant for agencies writing health insurance alongside P and C), 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, and the audit log captures every record read and write with 90-day default retention tunable per tenant to the state insurance department-required 7-year ceiling. SSO via SAML or 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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