- InsurGrid automates insurance policy monitoring every 15 days
- AI-powered alerts support insurance renewals and customer retention
- Insurance shopping and non-renewals increase demand for policy monitoring
- InsurGrid connects with more than 450 insurance carriers
- InsurGrid expands commercial policy comparison and API capabilities
InsurGrid has introduced Policy Change Monitoring, an AI-powered service that automatically updates insurance policy records every 15 days and alerts property and casualty (P&C) agencies to cancellations, non-renewals, premium adjustments and other material changes.
The San Francisco-based insurtech company said the technology is designed to help agents identify changes in clients’ insurance coverage before renewal dates or potential coverage gaps.
- InsurGrid launched Policy Change Monitoring, an AI-powered service that refreshes connected insurance policies every 15 days and identifies cancellations, non-renewals and coverage changes.
- The platform serves more than 2,500 insurance agents, connects with over 450 carriers and has processed more than 500,000 declaration pages using AI.
- The service is available to customers on InsurGrid’s $99 monthly plan, with automatic monitoring limited to supported carrier connections.
The system retrieves updated declaration pages from connected carriers, extracts policy information using AI and compares the new data with existing records.
Agencies can receive notifications when policies are cancelled, reinstated, renewed, not renewed or modified.
InsurGrid automates insurance policy monitoring every 15 days
Insurance agencies typically collect policy information when onboarding clients or preparing quotes. However, carriers may subsequently change premiums, limits, deductibles or insured assets without the agency immediately becoming aware.
InsurGrid’s monitoring service addresses this problem by periodically retrieving updated policy records. The platform checks supported carrier connections every 15 days and updates declaration pages alongside structured information covering premiums, coverage limits, discounts, claims, vehicles, drivers and properties.
Its AI extraction engine converts revised documents into structured data that can be used for policy comparisons, proposals, ACORD forms and rating integrations.
Changes are recorded at the individual field level, allowing agents to compare previous and updated values.
The system classifies detected changes into five categories:
- Cancelled: A policy has been terminated.
- Reinstated: Previously cancelled coverage has been restored.
- Renewed: A policy has been renewed for another term.
- Not Renewed: The carrier will not continue coverage.
- Changed: Material policy details have been modified.
Agency administrators can determine which events generate email alerts and assign notifications to individual agents, administrators or selected employees.
AI-powered alerts support insurance renewals and customer retention
InsurGrid expects agencies to use automated monitoring to identify opportunities for renewal reviews, remarketing and customer retention.
A non-renewal notification can prompt an agent to seek alternative coverage before the existing policy expires. Premium increases, lower coverage limits or changes to insured vehicles and drivers can trigger additional policy reviews.
Cancellation alerts can help customer service representatives contact policyholders about potential coverage interruptions.
The system can also monitor connected policies belonging to former clients, allowing agencies to identify changes that may create opportunities to regain their business.
CEO Rohit Mittal said insurance policy information loses value when agencies cannot keep it current.
The company wants agents to receive notifications about significant changes directly rather than discovering them after customers contact the agency.
Licensed insurance producers remain responsible for reviewing alerts and determining whether additional action is necessary.
Insurance shopping and non-renewals increase demand for policy monitoring
InsurGrid introduced the service amid changing conditions in the US property and casualty insurance market.
According to J.D. Power’s 2025 US Insurance Shopping Study, 57% of auto insurance customers shopped for new coverage during the preceding year, compared with 49% previously.
The figure represented the highest shopping rate recorded in the study’s 19-year history.
Homeowners insurance has also experienced increased non-renewal activity.
A US Senate Budget Committee review covering 23 insurers, representing approximately two-thirds of the homeowners insurance market, found rising non-renewal rates between 2018 and 2023.
The highest rates were concentrated in counties exposed to flooding and wildfires.
These developments increase the importance of identifying policy changes before renewal deadlines, particularly when customers face higher premiums or reduced coverage availability.
InsurGrid connects with more than 450 insurance carriers
Founded in 2019, InsurGrid provides policy data collection and AI workflow technology for P&C insurance agencies.
The company reported the following operating figures:
| Metric | InsurGrid |
|---|---|
| Insurance agents served | 2,500+ |
| Carrier connections | 450+ |
| Declaration pages collected | 100,000+ |
| Documents processed through AI extraction | 500,000+ |
| Closed premium supported | $250 mn+ |
| Automatic policy refresh frequency | Every 15 days |
| Eligible subscription | $99 per month |
The platform supports policy intake, coverage comparisons, renewal workflows, proposal generation and integrations with agency management systems.
InsurGrid expands commercial policy comparison and API capabilities
Alongside Policy Change Monitoring, InsurGrid introduced additional functionality for commercial insurance agencies and technology partners.
Commercial policy comparisons can now be exported in PDF and Word formats.
Supported insurance categories include general liability, business owners’ policies, workers’ compensation, commercial auto, commercial property, cyber insurance, inland marine and commercial umbrella coverage.
The company also introduced a public Policy Extraction API, allowing agencies and technology partners to access its document-processing engine through authenticated API connections.
An additional export function enables agents to transfer client documents and structured policy information into their agency management systems and monitor the transfer status.
Policy Change Monitoring available on $99 monthly plan
InsurGrid is rolling out Policy Change Monitoring to customers subscribed to its $99-per-month plan.
Automatic policy refreshes are supported only for eligible carrier connections that do not require multi-factor authentication during every login.
Policies collected through manual document uploads are not automatically monitored. If a carrier connection fails or authentication credentials change, InsurGrid retains the existing policy information rather than applying an incomplete update.
The platform displays a synchronization warning and notifies the agency that reconnection is required.
The service is intended to reduce manual policy reviews and give insurance agencies earlier visibility into changes affecting clients’ coverage and renewal options.
