01
Monoline rounding
Finds households with only an auto policy who verifiably own their home, cross-checked against the county appraisal roll.
$192,073first-year premiumSample
Free Book of Business Audit
We read your book and show you exactly where premium is leaking.
It is free. It takes one export from your agency management system. You get a report with real dollar figures computed from your own policy records, not a slide deck of industry averages.
What this is
Graded against the agencies you compete with, not the industry average.
The average independent agency retains 84 percent of accounts and holds 1.7 policies per household. Top performers retain 93 to 95 percent and hold more than 2.0. Your book is graded against that second group, because that is the group you lose renewals to.
Every figure traces back to a policy record in your own export. Nothing is pulled from thin air. Where a number depends on an assumption, such as how many rounded households actually bind, the assumption is printed beside the number it produces, so you can argue with it.
The Book Health Score
One score, five components.
Sample data · fictional agencyLonestar Insurance Group
D48 of 100
48 of 100 points across five components. Grade D.
What came out of it
Two numbers an owner can act on.
Sample output
$490,343
in first-year premium identified across 6 findings, each computed with its printed assumption.
Sample output
$897,901
in premium renewing in the next 90 days, grouped so nothing renews untouched.
Both figures come from a 1,539 policy export for Lonestar Insurance Group, a fictional agency used to demonstrate the methodology. Your numbers will be your own.
Six modules
Six ways premium hides in a book you already own.
02
Propensity scorecard
Scores every household and hands your producers a ranked call sheet of the 50 most likely to add a policy.
$37,469first-year premiumSample
03
X-date renewal ledger
Every policy renewing in the next 90 days, grouped by 30-day bucket, so nothing renews untouched.
$897,901premium at riskSample
04
Win-back list
Households that lapsed in the last 36 months and hold nothing today, ranked by prior premium and years held.
$85,362first-year premiumSample
05
Referral mining
Long-tenured multi-policy households with no lapses, the accounts most likely to make an introduction.
$117,829first-year premiumSample
06
Cross-book linking
Commercial accounts whose owners do not have personal lines with the agency, matched by shared address, phone, or email.
$57,610first-year premiumSample
Then what
Every finding ends in an action. This is who does the work.
The calls
Your producers work the ranked lists in the report: the auto-only households, the 50-household call sheet, the renewals, and the lapsed households.
The capture
Rivyn's site and AI assistant give those campaigns a place to land, so a returned call or an opened email becomes a quote request instead of a voicemail.
The follow through
Renewal sequences, review and referral requests, and contact repair for the households missing a valid email or phone all run automatically.
Your export is yours.
- Your export is used only to produce your report.
- It is never shared with another agency.
- Policyholder data stays yours. We process it on your behalf.
- You can request deletion at any time.
The full detail is in our privacy policy.
What one export cannot show
Four analyses need a second export.
A single export cannot produce these, so the report does not pretend otherwise. It names the exact export that unlocks each one.
Rate shock detectionNeeds the renewal comparison report, with expiring and renewal premium side by side.
Untouched renewal cutNeeds the activity log export, with the last contact date per account.
Post-claim follow-upNeeds the claims export, joined on policy number.
Producer documentationNeeds the notes export, per account.
Start the audit
Book a walkthrough, or send your export details.
Book a 30-minute call and we will walk your report line by line, your numbers, no pitch deck. Or send your details below and we will reach out with the exact export to pull.