Dec 13, 2025
Catching what matters before it becomes a claim: How Renewable Guard uses Vantel in real client work
How Renewable Guard uses Vantel to uncover critical coverage gaps early and protect both clients and brokers when decisions carry real risk.
Vantel Team
In commercial insurance, outcomes are decided long before a claim is filed. They are shaped during quote review, buried in exclusions, and often overlooked under time pressure. For brokers, missing a single detail can mean reputational damage, liability exposure, or worse. This is a story about one of those moments, and how the right tooling changed the outcome.
When assumptions are the biggest risk
Keaton Carlson, a broker at Renewable Guard Insurance Brokers, was reviewing a policy quote for a client with a specific requirement: sewer backup coverage. The carrier had been asked directly to include it, and the quote appeared acceptable at first glance.
“I used our AI tool to review a policy quote that I received that I specifically wanted sewer backup included.”
Like many brokers, Keaton initially trusted that the carrier’s response aligned with the request.
“I wasn’t going to do it because I had put faith in that carrier that the new option was gonna be a better option since that was my assumption.”
What Vantel surfaced
Instead of relying on that assumption, Keaton ran the quote through Vantel. The platform flagged a critical issue immediately.
“The AI picked up that sewer backup is excluded when I asked the carrier specifically for this coverage.”
Beyond flagging the exclusion, Vantel made the risk explicit by showing exactly where the exclusion lived in the policy and confirming that the coverage was not included elsewhere.
“It was able to tell me where it was excluded and explain that it’s not anywhere else either.”
Why this changed the outcome
The client had already been shown two quotes, compared using Vantel. When the client later requested higher limits and confirmation around sewer backup, Keaton pursued a third market and, at the client’s request, ran it through the tool again.
“I told the insured I had another quote coming in and they said run it against your tool.”
Without that comparison, the exclusion could have gone unnoticed until after a loss. For a broker, that risk is not abstract.
“If I did not send that policy comparison in the beginning, and the insured didn’t ask me to run a new report, and they had a loss due to this, I’m out of my job.”
The impact on the team
For Renewable Guard, the value of Vantel goes beyond individual placements. It reduces manual review time while surfacing coverage gaps that are easy to miss under pressure.
“Fantastic product. This has alleviated my team’s workload while providing coverage gap data that we would miss a lot of the time if doing it manually.”
What confidence looks like
Vantel gives brokers at Renewable Guard the ability to stand behind their recommendations with clarity and evidence. It turns policy review from a high risk guessing game into a structured, explainable process. In moments where details decide outcomes, that confidence is the difference.
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