Finding Coverage After a Non-Renewal

Few situations create more stress for agents and their clients than a non-renewal notice. Suddenly, the trusted coverage a client depended on is no longer available — often with little explanation. For retail agents, this means acting quickly to secure new coverage while protecting client relationships.

At OIA Insurance Solutions, we specialize in hard-to-place risks and work with agents every day to resolve non-renewal challenges. Here’s what you need to know when navigating this situation.

Why Do Carriers Issue Non-Renewals?

Understanding why a non-renewal happens helps you find the right solution. Common reasons include:

• Loss history that makes the account less attractive
• Changes in underwriting appetite or carrier guidelines
• Exposures that no longer fit the standard market
• Market conditions such as reduced capacity or rate pressure

Non-renewals don’t always reflect poorly on the client — but they often leave agents scrambling to find alternatives.

Immediate Steps to Take as an Agent

When your client receives a non-renewal, speed and communication are key:

1. Review the Notice Carefully – Confirm whether it’s a true non-renewal or just revised terms.
2. Gather Documentation – Collect loss runs, current policy details, and any relevant risk information.
3. Communicate with the Client – Reassure them that alternatives exist and you are already exploring options.
4. Explore Wholesale Solutions – This is where specialty markets step in.

Where to Find Coverage After a Non-Renewal

Retail agents don’t always have direct access to the domestic and international markets that write complex risks. That’s where working with a wholesale partner matters.

OIA Insurance Solutions provides access to specialty programs for:

• Transportation risks (fleets, trucking, cargo)
• Property (multi-family, municipalities, CAT exposures)
• Professional liability (E&O, D&O, EPLI, cyber)
• Fine art and collectibles
• Water and utility programs

Our expertise allows agents to replace lost coverage quickly, often while uncovering gaps in the expiring policy.

How OIA Helps Agents Win Business

When carriers say no, OIA helps agents keep client relationships strong by offering:

• Fast turnaround on submissions
• Access to markets standard carriers can’t reach
• Innovative solutions tailored to unique exposures
• Competitive commissions for retail partners

Conclusion

Non-renewals are stressful, but they’re also an opportunity for agents to show value. By acting quickly, communicating clearly, and partnering with a wholesale broker like OIA, you can secure the right coverage and strengthen client trust.

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