Business Insurance Renewal Increase Analyzer

Separate the price change from coverage and business changes, then prepare a line-by-line renewal discussion.

No signup · no upload · no stored entries

What this worksheet is for

A renewal increase can reflect exposure, pricing, claims, limits, forms, deductibles or fees. This analyzer calculates the disclosed cost change and flags when the two terms are not equivalent comparisons.

Compare expiring and renewal terms

Enter disclosed figures and policy language from both proposals. Do not combine a prior-term audit invoice with the new renewal premium.

Expiring termAnnual premium ($)Taxes and fees ($)Primary limitDeductible / retentionCoverage form / trigger

Renewal termAnnual premium ($)Taxes and fees ($)Primary limitDeductible / retentionCoverage form / trigger

Documented business changesPayroll, sales or headcountServices, products or project sizeLocations or property valuesVehicles, drivers or travel radiusClaims or reported circumstancesContracts or required limitsSafety or cybersecurity controls

Your working result

Expiring total$0.00

Renewal total$0.00

Dollar change$0.00

Percentage changeEnter expiring total

Not yet an equivalent comparison. Limit, Deductible / retention, Coverage form / trigger is incomplete.

Documented changes

No operational item is marked Changed.

Unresolved facts

Verify payroll, sales or headcount for both terms.
Verify services, products or project size for both terms.
Verify locations or property values for both terms.
Verify vehicles, drivers or travel radius for both terms.
Verify claims or reported circumstances for both terms.
Verify contracts or required limits for both terms.
Verify safety or cybersecurity controls for both terms.

Private by design: entries remain in this browser tab. Use categories and totals—never sensitive personal information.

Transparent method

How the result is produced

Total change is renewal premium and fees minus expiring premium and fees; percentage change uses the expiring total as the denominator.
You identify coverage and operational changes rather than the tool guessing what caused the increase.
If material policy terms changed, the output labels the cost comparison as non-equivalent.

Boundaries

What it cannot determine

Why an insurer changed its rate
Whether an increase is lawful or reasonable
Whether replacement coverage is suitable

Sources used to design this worksheet

These sources support the questions and process—not an individualized recommendation. State-specific sources are identified as examples and are not presented as nationwide rules.

Method and sources reviewed August 13, 2026. Entries and results should be confirmed against the actual proposal or policy with an appropriately licensed professional.