Morning Call Sheets
Each producer opens the day with a prepared stack: who to call, why, the background, and the opener. One trigger per sheet, researched overnight.
AI Assistants forInsurance AgentsProducers · Account Executives · Principals
Your people are great on the phone. They should not be stuck at a desk.
Retention costs a fraction of new client acquisition, and it is won one touchpoint at a time. Great account executives still spend the day on data entry, and agencies learn about the loss or the move too late to act. Five AI assistants hand producers a reason to call, catch renewals that lose clients, and quietly clean the book underneath. Each reads from and writes back to the AMS your team already uses. Nobody lives in a new system. Nobody gets replaced.
The five assistants
What it replacesThe research nobody has time to do.
Claims Care Calls
A client opens a claim overnight, and the assigned account executive gets a morning prompt to call and ask whether everyone is OK.
What it replacesSilence at the exact moment a client most needs their agent.
Renewal Risk Sentinel
Your system lists what expires in 90 days. This flags which came back hot, so you remarket before the client sees the increase.
What it replacesLearning a renewal was a problem when the angry call arrives.
Industry Code Autopilot
Classifies every commercial client from public sources, checks it against the record, and queues suggestions with evidence.
What it replacesA required field filled in fast, not accurately.
Book Data Health
Audits the book nightly for stale employers, dead contact info, and duplicates. Proposes fixes in batches; you approve, it writes back.
What it replacesThe cleanup project that never holds.
40 reasons to callfull library overleaf
Life events 6
Property & assets 6
Career & income 5
Business growth 8
Business risk 7
From your own book 8
Where the data comes from
- Tier 0Your own book, your own license. Policies, claims, and renewals through your system's API. The data stays yours.
- Tier 1Public records. Deed recordings, business registrations, licenses, permits, business journals.
- Tier 2Professional and business web data. Company sites, business listings, profiles, email verification.
- Tier 3Licensed consumer data. Life event signals from contracted vendors under permissible-use terms. Purchased, never scraped.
The hard line: Tier 3 signals prompt a human service call and nothing more. They never feed rating, eligibility, or any automated decision about a client.
How we work
- One integration powers all five. Your management system's API or SDK license. We help scope the vendor approval up front.
- Every record carries its receipt. Nothing writes back without its source attached.
- Humans stay in the loop. Assistants prompt and prepare. People decide.
- No headcount math. This expands what your team covers. It is not a staffing reduction plan.
Suggested sequence: start with Book Data Health and Industry Code Autopilot for quick wins on clean data. Add Morning Call Sheets as the flagship. Claims Care and Renewal Sentinel follow on the same plumbing.
Curious what this would look like on your book?
Twenty years building business software, the last five heavily in insurance and claims. Start with a conversation about where your producers lose their day.
Inc 5000 Fastest Growing · Inc Best Workplaces · SOC 2 Type II · HIPAA · MBE/DBE
2801 Manhattan Blvd. #2170, Harvey, LA 70058
Every reason to callMorning Call Sheets · the full trigger library
A sheet only appears when there is a real reason for it. These are the forty triggers the assistant watches, what each one signals, and which data tier it draws from. You decide which are on, which are off, and how loud each one is.
T0Your own book
T1Public records
T2Business web data
T3Licensed vendors
Life events
Personal lines. The calls clients remember years later.
Marriage or engagementT3
Households combine. Two policies become one, and a competitor is often already calling.
New childT3
Life insurance and beneficiary review, plus the warmest congratulations call an agency can make.
Teen approaching driving ageT0
Calculated from data already on the policy. A rate shock is coming; call before it lands.
Child leaving for collegeT0
Renters coverage, garaging change, and a discount the client does not know exists.
Household moveT3
New territory, rerate, and usually a new mortgage escrow to coordinate.
Retirement milestoneT0
Mileage drops and coverage needs shift. Umbrella and long-term care open up.
Property and assets
Public records. The highest-conversion triggers in the library.
Home purchaseT1
Deed recording. Dwelling coverage needed before closing, plus a bundling opening.
Second or vacation propertyT1
Secondary dwelling, often a rental exposure, almost always an umbrella conversation.
Property saleT1
Coverage to cancel or move. Left alone, this is where clients quietly leave.
Building permit pulledT1
Addition, pool, or roof. Replacement cost is now wrong and liability may have changed.
Refinance or new mortgageT1
New lienholder and escrow change the client will otherwise handle without you.
Boat, RV, or trailer registrationT1
A new toy means a new policy, and it is rarely written by the incumbent agent.
Career and income
Personal lines signals that open commercial doors.
Job changeT2
Commute, income, and benefits all shift. Also a warm path into a new employer.
Promotion or title changeT2
Higher income means higher liability exposure. The natural umbrella conversation.
New business formationT1
A personal lines client just became a commercial prospect, currently uninsured.
Professional license issuedT1
New practice or trade. Professional liability or a contractor policy is now required.
Employer layoffs announcedT2
A service call, not a sales call. Payment flexibility keeps a client through a hard stretch.
Business growth
Commercial. Growth outruns the policy almost every time.
New location registeredT1
Property and liability endorsement needed before the doors open, not at renewal.
Hiring surgeT2
Job postings signal payroll growth. Comp payroll is understated and an audit is coming.
Fleet growthT1
Vehicle and carrier filings. Unscheduled vehicles are the most common commercial auto gap.
Contract or grant awardT1
New certificate requirements, higher limits, and additional insured requests are coming.
Funding or acquisitionT2
Capital raise or purchase. D&O, higher limits, and a new risk profile in one event.
New service line or productT2
Classification may no longer match operations: a coverage gap and a code correction.
Commercial lease or purchaseT1
Landlord requirements, tenant improvements, and business interruption exposure.
Award or recognition listT1
The easiest call in the stack: congratulate first, review coverage second.
Business risk and change
Commercial. Where the agent earns the relationship.
Ownership or officer changeT1
A new decision maker has no loyalty to you yet. First call wins.
Entity restructureT1
Named insured may now be wrong, which can void coverage at the worst moment.
UCC filing on equipmentT1
Financed equipment means a lienholder requirement and an unscheduled asset.
Lawsuit filedT1
Court records. Call before the client wonders whether their policy responds.
Inspection or citationT1
Safety findings affect experience modification and premium. A risk control conversation.
Class-wide market disruptionT2
A carrier exits a class or region. Reach clients before the non-renewal notices arrive.
Catastrophe near a clientT2
Storm or fire near an insured location. Check in whether or not a claim was filed.
From your own book
Tier 0 only. No external data, so these can run on day one.
Silence threshold crossedT0
No meaningful contact in the window you set. The most common cause of quiet churn.
Renewal with no contactT0
Renewing a client you have not spoken to all year is a coin flip. This makes it a conversation.
Claim recently closedT0
The post-claim call decides whether they remember the loss or the service.
Coverage gap on the recordT0
Home without auto, auto without umbrella. Rules you define, checked continuously.
Prior quote never boundT0
Work already done that never closed. The cheapest opportunity in the agency.
Payment method expiringT0
A service call that prevents a lapse, a rewrite, and a shop.
Referral source anniversaryT0
Your best advocates. Most agencies never call them again.
Premium threshold crossedT0
An account grew into a different service tier and nobody noticed.
One trigger per sheet, always. A sheet is not a client dossier. It carries the single strongest reason to call today with just enough context to dial confidently. When several triggers land on one client, the assistant ranks them and leads with one. When a client has no trigger, no sheet is generated. Volume is not the goal: a stack nobody trusts gets ignored by the second week.
Susco Solutions · Neel Sus, PMP · (504) 273-6705 · neel.sus@susco.net
www.suscosolutions.com