Check the completeness of your portfolio

What this guide contains

1. What the insurer believes you manage
2. Obtain the portfolio export
3. The three results of a check
4. The tolerance on premiums
5. Decide line by line
6. Repeat the check every year

An excerpt

Two lists that should be identical

The insurer keeps the list of policies linked to your office; you keep your own. Comparing them reveals three situations: a policy with the insurer but missing from your records, a policy in your records but unknown to the insurer, and a policy on both sides with a different premium.

Each has a consequence: a missing policy escapes your follow-up, and a policy unknown to the insurer may not earn you any commission.

One franc of tolerance

A premium difference of a few centimes comes from rounding. Set a tolerance, for example CHF 1.00, and only address differences above it. A difference of CHF 250.00 on a business policy merits a question to the insurer; a difference of CHF 0.40 does not.