I built a similar system for one of my old insurance clients. Every 3 months we would send an updated list of what we wanted the insurance company to cover. Thi

I built a similar system for one of my old insurance clients. Every 3 months we would send an updated list of what we wanted the insurance company to cover. This batching worked great because changes came in daily and without it we would have to amend the policy for each individual change. We tracked the date the client requested a change (posting date in the article) alongside an effective date (the date we would base cost calculations off of). Often the client would forget to report changes to us, so the reporting delay worked in our favor. For example, we would find out out on Friday that a client needed coverage starting the previous Monday. We would make sure there were no known losses and backdate coverage in our database. The insurance carriers would receive the report in a few months and be none the wiser. Carriers will backdate coverage like this, but it can be messy with the paperwork. Tracking posting dates, effective dates, and reporting dates really cut down on the complexity of managing the day-to-day insurance needs of my client.