A back-of-envelope analysis of where COI labor actually goes — and what 90-second issuance unlocks at the agency P&L level.
The math
Take a typical mid-size agency: 120 COIs per month, 11 minutes per COI today, $48/hr
fully-loaded CSR cost. That’s 120 × 12 × (11/60) × 48 = $12,672 per year in raw labor.
Cut the minutes-per-COI to 1.5 — the average we see across our design partners — and the same agency spends $1,728. Annual savings: roughly $10,900.
Why it compounds
It’s not just the labor line. The CSR doing the COIs is the same person doing the renewal walk-through. Time spent on COIs is time not spent prepping the carrier call — and that’s where five-figure premium leaks happen.
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