Stewardship report template
A stewardship report is the annual review a broker gives a client before renewal: the coverage in place, how the year went, the work the broker did, and what comes next.
The structure, section by section
The year in one line
The most important result of the year, such as claims handled, savings found, or coverage gaps closed.
Coverage in place
Each line of coverage with its carrier, limits, deductibles, premium and expiration date.
Claims and loss trends
Claims activity for the year and the trend behind it, with the large ones called out.
What we did this year
The service delivered: claims advocacy, compliance support, employee education, market checks.
Compensation
How the broker is paid on each line, stated plainly.
Looking ahead
The market outlook for the renewal, the risks to watch, and the plan.
Next step
The renewal timeline and the first meeting to book.
What the good ones do
- Deliver it well before renewal, so it opens the renewal conversation instead of arriving with the quote.
- Put the client’s results first and the broker’s activities second.
- Make every number traceable to a policy or a claim.
- Keep it short enough to forward. The person who signs the renewal may never meet you.
Questions
What is a stewardship report in insurance?
An annual report a broker gives a client before renewal, covering the coverage in place, claims and loss trends, the service delivered during the year, compensation, and the outlook for the renewal.
When should a stewardship report be delivered?
Several months before the renewal date, so there is time to act on what it shows before quotes come back.
Who reads a stewardship report?
Usually the HR or risk lead first, then finance and leadership when it is forwarded. Write it for the person who signs, not just the day-to-day contact.