A renewal is counted only when the carrier is active, has at least one active filing, the estimate is marked reliable and no CANCEL is pending against the current paper (a pending REPLACE is a scheduled insurer switch and still renews on schedule). Cancellations are the insurer-filed effective dates, not estimates.
In most commercial lines the expiry date lives in the incumbent agent’s system and nowhere else. Trucking is the exception. A for-hire motor carrier’s insurer files evidence of liability coverage with FMCSA, the filing carries an effective date, and commercial auto runs twelve-month terms. Effective date plus twelve months is the renewal, and every one of those filings is public.
An estimate built that way is only as good as the filing history behind it. Filings post when the insurer posts them, not on the day a policy incepts; carriers switch paper mid-term; some histories are thin. Market Tracker keeps the estimate when the filed effective date sits within 90 days of the transaction date and marks the rest unreliable rather than guessing. The renewal filters exclude flagged dates by default, so a window you pull is one you can work.
Two more rules keep the calendar honest. A carrier whose insurer has filed a cancellation is not a renewal lead: the filed effective date is a hard date on federal record and the carrier moves to the cancellations feed with that date. And a carrier whose filings have all lapsed has no X-date at all; it is a lapsed-coverage lead, shopping today.
Finding one carrier’s X-date is a lookup, and the tool below does it free. Finding every carrier renewing in your state in the next ninety days, at the fleet size you write, that you do not already have, is the product.
The same estimate the index carries, for one carrier at a time, without an account. Paid X-date services charge for this; the single lookup is free here.
Every X-date in the trade traces back to the same federal filing. What differs is whether the date is refreshed, whether anyone tells you it is weak, and what happens when a cancellation lands.
What producers ask before they switch on the feed. Anything else, email hello@nativebase.ai.
The expiration date of the carrier’s current commercial auto policy: the day the account is winnable. In trucking it can be estimated from the public FMCSA insurance filing, because the filing carries the policy effective date and terms run twelve months.
Treat an estimate as a month, not a day, unless you have confirmed it with the insured. Market Tracker grades every estimate and flags the ones where the filed effective date is more than 90 days from the transaction date; the renewal filters exclude those by default. A filed cancellation date is exact and replaces the estimate.
Yes. Filter Carriers by domicile state and a renewal window, or use the Renewals lead pull, which downloads a CSV of every carrier in the state with a reliable X-date in the window, ordered by fleet size. Both are included on every seat.
Yes. The insurer named on the active BI/PD filing (the writing paper) is on every carrier, with the full switching history: who they left, when, and how long they have been with the current insurer.
Yes, one carrier at a time. The lookup on this page returns the same estimate and reliability grade the index carries, from the same filing. The product is the ability to filter the whole index by that date.
$99 per user per month, or $69 per user per month on yearly billing, for every state and every tool in Market Tracker. There is a free trial and no demo call.
Start the trial, set the renewal window and your state, and export the list. Every carrier on it carries the current insurer, the contacts and a prefilled ACORD 125.