Policy Management & Renewals

From the Carrier Portal, navigate to an insured's detail page or click "+ Add Policy". The policy wizard walks you through:

1. Policy Details — policy number, effective/expiration dates, states, and status
2. Payroll Setup — reporting method, frequency, and payroll/software company
3. Locations — business locations covered by this policy
4. Review — confirm all details before creating

After creating the policy, navigate to the Fees tab. For each class code + state combination, set:

• Class Code — NCCI code (e.g., 8810 for clerical, 5190 for electrical)
• State — the state this rate applies to
• Net Rate — the decimal multiplier for premium calculation (e.g., 0.0312 means $3.12 per $100 of payroll)

Each unique (policy, state, class code) combination creates a Policy Fee record. The platform uses these to calculate premiums in Phase 3.

Navigate to the Locations tab. Each location needs:

• Location name and type (headquarters, branch, warehouse, etc.)
• Address with state — the state must match one of the policy's covered states
• FEIN — the tax ID for this location

Locations are used to validate employee states during Phase 1. If an employee row lists a state that doesn't match any policy location, it's flagged for review.

Once the policy is configured, click "Send Invitation" from the insured detail page. The employer receives a branded email with:

• Your carrier logo and colors
• Policy number and coverage details
• A "Complete Onboarding" button linking to their employer portal

The employer completes their onboarding wizard (company details, payroll setup, bank account, locations) and begins reporting. Their payroll company is automatically notified if applicable.

From the insured detail page, you have full visibility into:

• Roster Files — every payroll file received, with processing status and premium totals
• Employees — discovered employees with wage history and average gross salary
• Cycle Manager — payroll cycle tracking with expected vs. received files
• Wallet — collected premiums, pending debits, and carrier settlements

All data updates in real time as files are processed through the 3-phase pipeline.

When a policy approaches its expiration date, initiate a renewal from the policy detail page. Click "Renew" to:

1. Create a new policy term with updated effective/expiration dates
2. Carry over class codes, rates, and locations from the current term
3. Send a renewal invitation to the employer

The employer can confirm "no changes" for a quick renewal, or report changes (new states, class codes, locations). Change requests appear in your Requests queue for review and approval.