What we find in agency books, on submission desks, and in the calls nobody counts. Written for insurance brokers and MGAs who are doing the work of five people with three.
The certificate chase is invisible debt: expirations nobody watches, spreadsheets that rot a third a year, and the same three phone calls every renewal. What a tracked certificate pipeline actually looks like inside an agency.
Most owners find out what the book was worth the day they try to sell it. How buyers value a book, what quietly destroys the multiple between now and sale day, and what to check in your own AMS this week.