Servicing a policy

Once a quote is bound, everything that happens to the resulting policy happens from the policy’s detail page. A policy is never edited directly — every change is recorded as a dated transaction (an endorsement, a cancellation, a reinstatement), and the app derives what the policy looked like on any day of its term. That one idea powers everything on this page: the servicing actions, the endorsement history, the Activity log, and the View as of date controls.

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The policy Actions menu

The Actions menu at the top right of the policy’s detail page collects the servicing actions: Each entry follows your permissions — actions your role can’t perform don’t appear. Cancel and Reinstate are mutually aware: an active policy offers Cancel; once a cancellation exists (even a future-dated one), Cancel is replaced by Reinstate. To move a cancellation to a different date, reinstate first, then cancel again on the new date.

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How the servicing flows work

Endorse, renew, cancel, and reinstate all follow the same shape:

1. You start from the policy — a dialog collects the date(s) the change needs (renew needs none).
2. A wizard opens where the change is worked as its own quote — a full quote for endorsements and renewals, a short three-step flow for cancellations and reinstatements. Like any quote, it can be saved and resumed, and it moves through the same statuses: an endorsement or renewal goes In Progress → Quote Complete → Bound to Policy; a cancellation or reinstatement goes straight from In Progress to Bound to Policy when confirmed.
3. The change lands on the policy at the final bind or confirm — for an endorsement or renewal, complete the quote, then select Bind Quote on its page and finish the bind flow with Bind Policy; for a cancellation or reinstatement, select Confirm Cancellation / Confirm Reinstatement on the wizard’s last step. Nothing changes on the policy until that final action — an in-flight servicing quote can always be discarded.

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Endorse (a mid-term change)

Use Endorse for any change during the policy term: adding or removing an exposure, changing a limit, correcting a value, updating the insured’s details.

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Choose the dates

Actions → Endorse opens the Endorse policy dialog:

• Effective date — the day the change starts applying. It must fall within the policy term (the dialog tells you the term if you pick outside it).
• Through end of policy — checked by default: the change applies from the effective date to the end of the term. Uncheck it to set an explicit End date instead, for a change that only applies for part of the term — say, an extra insured for the summer months. The end date must be on or after the effective date and within the term.

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Work the endorsement

Confirming the dialog opens the endorsement in the quote wizard, pre-filled with the policy exactly as it stands on your effective date. It’s the same wizard as quoting — the first step is titled Endorsement Details, followed by Exposures, Rating Information, Coverages, Billing, Forms, and Review — so you change what’s changing, re-rate to price it, and generate any endorsement documents, with everything else carried over. While an endorsement is unbound, the policy’s page shows a persistent banner — “You have an endorsement in progress.” — with two actions:

• Continue — opens the endorsement quote to keep working it.
• Discard Edits — after a confirmation, permanently deletes the in-progress endorsement (its quote and the submission created with it). This can’t be undone.

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Bind the endorsement

The wizard’s last step, Review and Confirm, ends with Complete Quote, which marks the endorsement Quote Complete and returns you to its detail page — nothing has touched the policy yet. When the change is ready to apply, select Bind Quote on the completed endorsement’s page (the standout button at the top right, also an Actions menu entry). It enters the same short bind flow as new business (Policy Details, Policy Forms, then Review and Confirm), finished with Bind Policy.

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What binding it does

Selecting Bind Policy applies the change to the policy:

• The app works out exactly which fields changed and records them as a new version of the same policy, effective over the date window you chose. Outside that window the policy is untouched — an endorsement effective April 1 changes nothing about January–March.
• The endorsement quote’s status becomes Bound to Policy, the banner clears, and the endorsement appears in the policy’s endorsement history and on its Activity tab.
• The policy keeps one continuous record: viewing it as of a date before the effective date shows the old values; on or after, the new ones.

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Renew

Actions → Renew starts the next policy term. There’s no date dialog — the renewal opens straight into the full quote wizard, seeded from the expiring policy’s latest state, with the new term dates defaulted so the new term starts where the expiring one ends (all editable in the flow). From there it’s a normal quote: adjust exposures and coverages, re-rate, generate forms. To issue the new term, finish the wizard the same way as an endorsement: select Complete Quote on the final Review and Confirm step, then Bind Quote on the completed renewal quote’s page, and work the short bind flow — Policy Details (the new term’s policy number), Policy Forms, and Review and Confirm — ending with Bind Policy. (Like any quote, a renewal can also be saved mid-wizard and picked up later — nothing is issued until Bind Policy.) Bind Policy creates a new policy — its own policy number, term, and history — linked to the term it renews; the renewal quote’s status becomes Bound to Policy and you land on the new policy’s detail page. The new term may start on or after the expiring term’s end date, but the two terms can’t overlap. The link shows on both policies’ Overview tabs:

• Renewed From — on the new policy, linking back to the expiring one.
• Renewed Into — on the old policy, linking forward (with a More link if several renewal terms trace back to it).

This renewal chain is how you walk an account across years of terms.

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Cancel

Actions → Cancel ends coverage mid-term. It’s offered while the policy is currently active and has no cancellation recorded. Once confirmed:

• The policy’s status is Cancelled from the cancellation date through the end of the term. For dates before the cancellation date it still reads as active — the coverage that existed isn’t erased.
• A future cancellation date leaves the policy active today with a pending cancellation booked; it takes effect automatically when the date arrives. (While one is pending you can’t stack a second cancellation — reinstate first to change the date.)
• The cancellation appears on the Activity tab like any other transaction.

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Reinstate

Actions → Reinstate undoes a cancellation — offered whenever the latest state of the policy carries one, whether it has already taken effect or is still pending. The Reinstate policy dialog explains what will happen and shows the Reinstatement date, pre-filled with the policy’s cancellation date and locked to it. That’s deliberate: reinstatement applies as of the cancellation date, voiding the cancellation so coverage runs uninterrupted through the end of the term, and the whole pre-cancellation pricing is restored — every charge, not just the premium: taxes, fees and commissions all come back at the amounts the policy carried before it was cancelled. Continue opens the reinstatement flow — the same three steps as cancellation (a Billing step for any reinstatement fees, Reinstatement Forms, then Review and Confirm, finished with Confirm Reinstatement). As on a cancellation, the Billing step is for adding a charge; the restored charges are the server’s and are not editable there. Once confirmed, the cancellation is voided: the policy reads as continuously active, as if it had never been cancelled. Both the cancellation and the reinstatement remain visible on the Activity tab — the outcome is clean, the audit trail is complete.

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The policy’s history

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The Overview timeline

The policy’s Overview tab opens with a timeline bar spanning the term. The bar is split into a pill per period during which the policy’s values were constant, dots mark the effective date of every change (inception included), and the purple fill shows how much of the term has elapsed. Below it, a caption reports the current version and period count, and the fields shown on the page are the policy as of the date in view — today, by default.

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Endorsement history

Select View Endorsement History (or click any dot or pill on the timeline) to browse how the policy evolved:

• A full-width Viewing Endorsement History banner takes over the page — the policy is read-only while browsing (the Actions menu is hidden) — with Exit to return to the live, current-date view.
• A side rail lists Endorsements by Effective Date, newest first, the original policy at the bottom. Expanding an entry shows exactly which fields that change touched; clicking a date shows the policy as of that date, with the fields that endorsement changed highlighted on the page.

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The Activity tab

The Activity tab is the policy’s transaction log — every transaction, newest first. Each row shows:

• Effective — where on the term the change applies.
• The transaction type and version it produced (new business, endorsement, cancellation, …).
• Filed — when it was recorded, and by whom.

Expanding a row reveals the exact changes the transaction recorded, as a table of field-by-field values with their date ranges. Two actions sit under the details:

• View policy as of this date — jumps to the Overview showing the policy as of the transaction’s effective date.
• Undo this transaction — on the most recent transaction only. After a confirmation, it reverts the policy to its previous version. Older transactions can’t be undone from the middle of the history — and an undo is blocked (with the reason shown) when other records, like invoices, already depend on that transaction.

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Viewing the book as of a date

Because policies are date-resolved, you can view them as of any date — not just today.

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The Policies list

The Policies list has a View as of date field in its toolbar. It defaults to today; pick another date and every row re-resolves to what that policy looked like on that date — statuses, limits, exposures, premium — which is how you answer “what did our book look like on June 30?”. While viewing a non-today date, a Today link resets the lens. Your chosen date sticks for the browser tab as you navigate away and back, and it carries into list exports, so an exported book matches what’s on screen.

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A single policy

On a policy’s detail page, the date in view is driven by the timeline, the endorsement history rail, or an Activity row’s View policy as of this date — and it survives switching between the policy’s tabs, so Overview and Activity stay on the same date while you investigate.

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Generate a policy form as of a date

Actions → Generate Policy Form opens the policy’s Generate Policy Forms surface, which asks for a date within the policy term before it will generate anything — there’s no default, because the answer changes with the date. Each document fills its values from the policy exactly as it stood on the date you pick, so a certificate generated “as of March 1” reflects March’s coverage even if the policy has been endorsed since. That makes the same template at two dates two different documents, and the surface lets you compose both. Save attaches the composed forms to the policy and lists them on its Forms tab, alongside the forms of every quote bound into it. A saved policy form is a settled dated snapshot: preview and download only. Full walkthrough: Generating forms.

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Policy status, in dates

A policy’s status is date-scoped — the same policy can be active for June and cancelled for July: The status shown on the Policies list is the status as of the list’s “View as of” date. A policy whose term has simply ended isn’t marked with a special status — its term dates tell you it has expired, and renewal is how the account continues.

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Delete a policy

Actions → Delete Policy permanently deletes the policy after a confirmation — including the bound quote it was created from. There is no undo. The delete is refused (with the reason shown in the dialog) when other records still reference the policy.