Ease of doing business has become almost a clich? in the insurance world, but in the case of property/casualty carrier Fremont Insurance, it proved to be an important factor in the carrier's unprecedented success.

"When you get down to it, agents will migrate toward those systems that are easier for them to use," says David Mangin, executive vice president and CIO of Fremont. "Automation and software can only take you so far. You have to couple that with the relationship you have with the agents."

Agents also look at their own cost structure, explains Mangin.

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