Policy Renewals and Non-Renewals

This dataset provides a detailed record of insurance policy renewals and non-renewals, including premium recalculations, coverage changes, underwriting reviews, customer acceptance, and non-renewal notices with standardized reason codes. It is ideal for analyzing renewal trends, customer retention, risk management, and operational efficiency in insurance processes.

  • last updated 1 Nov 2025
  • by GoMask
The brief that made it

Renewal rate and customer retention analysis

Sample rows

preview · 8 of 1,001 rows · all 20 columns
policy_idstringnon_renewal_reason_codestringpremium_previousfloatcoverage_modification_flagbooleancustomer_idstringrenewal_offer_idstringrenewal_offer_datedaterenewal_expiry_datedatepremium_renewalfloatcoverage_previousstringcoverage_renewalstringunderwriting_review_flagbooleanunderwriting_review_datedaterenewal_accepted_flagbooleanrenewal_acceptance_datedatenon_renewal_flagbooleannon_renewal_notice_datedatepolicy_start_datedatepolicy_end_datedateagent_idstring
PLCY001blank1350.45falseCUST101RNW0012023-11-052023-12-051438.6Auto comprehensive, $500 deductibleAuto comprehensive, $500 deductiblefalseblanktrue2023-11-15falseblank2023-12-062024-12-05AGT201
PLCY002blank2100trueCUST102RNW0022023-10-142023-11-142176Homeowners standard, $1000 deductibleHomeowners standard, $1500 deductibletrue2023-10-21true2023-10-30falseblank2023-11-152024-11-14AGT202
PLCY003blank1800.9falseCUST101RNW0032024-01-102024-02-101907.6Auto liability onlyAuto liability onlyfalseblanktrue2024-01-18falseblank2024-02-112025-02-10AGT203
PLCY004company-decision5200falseCUST103RNW0042023-09-052023-10-055200Commercial property, $5000 deductibleCommercial property, $5000 deductibletrue2023-09-09falseblanktrue2023-09-202023-10-062024-10-05AGT204
PLCY005blank980.5falseCUST104RNW0052023-06-122023-07-121099.99Renters, $250 deductibleRenters, $250 deductiblefalseblanktrue2023-06-18falseblank2023-07-132024-07-12AGT205
PLCY006customer-request2875.75trueCUST105RNW0062024-03-012024-04-012950Condo, $1000 deductibleCondo, $1500 deductiblefalseblankfalseblanktrue2024-03-152024-04-022025-04-01AGT206
PLCY007blank760falseCUST106RNW0072023-08-232023-09-23799.98Pet insurance, $100 deductiblePet insurance, $100 deductiblefalseblanktrue2023-09-01falseblank2023-09-242024-09-23AGT207
PLCY008blank1540.9falseCUST102RNW0082023-07-032023-08-031540.9Auto plus roadside, $250 deductibleAuto plus roadside, $250 deductibletrue2023-07-07true2023-07-12falseblank2023-08-042024-08-03AGT208

What the 1,001 rows show

from the 1,001-row sample
  • 32%coverage_modification_flag = true
  • 1,590median premium_previous
  • 1,628median premium_renewal
non_renewal_reason_code235 rows by value
0306046custom…5%54risk-c…5%47paymen…5%54compan…5%34other3%
premium_previous1,001 rows, in bands of 2,000
036573072826090111001010k20kpremium_previous →

Median 1,590, from 0.0 to 19,800.

20 columns by typefrom the column list below
  • string 7
  • float 2
  • date 7
  • boolean 4

Columns

20 columns in four groups
blueprint · 20 columns
columntypedescriptionexample
Text 7 columns
policy_idstringUnique identifier for the insurance policyuniquePLCY001
customer_idstringUnique identifier for the customer holding the policyCUST101
renewal_offer_idstringUnique identifier for the renewal offer made for this policyuniqueRNW001
coverage_previousstringDescription of coverage details before renewalAuto liability only
coverage_renewalstringDescription of coverage details offered in the renewalAuto liability only
non_renewal_reason_codestringCode indicating the reason for non-renewal (e.g., 'customer-request', 'risk-change', 'payment-default', 'company-decision')5 values · optionalcompany-decision
agent_idstringIdentifier for the agent or broker managing the renewaloptionalAGT201
Numbers 2 columns
premium_previousfloatPrevious policy premium amount before renewal0 or more1350.45
premium_renewalfloatRenewal premium amount offered for the upcoming policy period0 or more1438.6
Dates and times 7 columns
renewal_offer_datedateDate when the renewal offer was sent to the customer2023-11-05
renewal_expiry_datedateDate when the renewal offer expires2023-12-05
underwriting_review_datedateDate when underwriting review was completed (null if not applicable)optional2023-10-21
renewal_acceptance_datedateDate when the customer accepted the renewal (null if not accepted)optional2023-11-15
non_renewal_notice_datedateDate when non-renewal notice was sent (null if not applicable)optional2023-09-20
policy_start_datedateStart date of the renewed or non-renewed policy period2023-12-06
policy_end_datedateEnd date of the renewed or non-renewed policy period2024-12-05
True or false 4 columns
coverage_modification_flagbooleanIndicates if coverage was modified during renewal (true if changed)false
underwriting_review_flagbooleanIndicates if the renewal required underwriting reviewfalse
renewal_accepted_flagbooleanIndicates if the customer accepted the renewal offertrue
non_renewal_flagbooleanIndicates if the policy was not renewed (true if non-renewed)false

Use it for

  • coverage modif…32%320 of 1,001 rowsmean premium previous…1.7kcust…2.3krisk…1.8kpaym…2.3kcomp…

    An insurance dashboard

    The coverage_modification_flag rate and premium_previous by non_renewal_reason_code. Excel, Power BI or Tableau.

  • Why do 320 of 1,001 rows have coverage_modification_flag = true?

    A class exercise

    Hand out the rows and one question. Everyone works from the same 1,001 rows.

  • A software demo

    Believable policies with customer_id, renewal_offer_id and renewal_offer_date to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 20 columns, your size and your rules. See 20 rows before you pay.

Preview 20 rows free

1,000 rows: $1.99 · 10,000: $12.99One-time. No subscription. All prices

This dataset1,001 rows20 columns
Yours1,000 rows20 columns

blueprint · policy-renewals-and-non-renewals

Behind this dataset

Same schema. As many rows as you need.

These 1,001 rows came out of a blueprint — 20 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Renewal offer generated 30-60 days before expiration
  • Premium re-rated based on current exposure and loss history
  • Underwriting re-review for risk acceptability
  • Coverage form updates to current edition
  • Loss runs reviewed for renewal decision
  • Non-renewal requires notice per state law (30-60 days)
  • Non-renewal reason codes: underwriting, loss history, non-payment
  • Renewal status: renewed, non-renewed, lapsed
Rows
Open the blueprint in Data Factory

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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
policy-renewals-and-non-renewals

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