Resource Center

The “protection gap” is another way of talking about uninsured losses. Not only does the gap exist everywhere, it’s estimated at $180 billion. This gap represents opportunities for smart agencies who target those who can afford insurance, but still don’t buy it. A good way to help clients to bridge the gap is to start with cross selling.

Download this guide now for a look at five large opportunities to cross sell. You will learn how to increase your book of business by helping your customers cover risks they face but aren’t considering, including:

• Natural Catastrophe (NatCat) add-ons
• Cyber
• Business interruption (CBI)
• Liability gaps
• Other Specialty examples

Going the distance for your clients means presenting a wider range of options. Knowing how to fill in protection gaps properly can help your business soar to new heights.

More than half of mobile device owners say they use smartphones or tablets when shopping to compare prices or look up product information. The best way to develop long-term relationships is through personal interactions. When you present clients with a range of policy options while also providing professional expertise, you stand out amongst other agencies and direct policy writers.

Download this eBook to learn more about how to choose a comparative rater solution that allows you to quote personal lines from multiple carriers while you’re on the phone with customers. You’ll learn how you can:

• Standardize workflows to increase your agency’s efficiency and profitability
• Offer the best price and coverage for customers
• Increase choice and flexibility for customers, as well as speed and accuracy
• And more…

Find out how you can have more time to focus on your customers and grow your book of business!

Because TCOR (total cost of risk) scores are headed downward, the market for insurance brokers is extremely competitive. Your ticket out of the pricing wars could be helping clients improve workplace safety because it provides added value, especially in the long term. Using this tactic, you can also help reduce admin costs, which will keep clients happy.

Download this white paper now to boost your sales despite the plunge in premium prices and the continued increase in competition. You will learn how to stay competitive and make yourself irreplaceable to clients by:

• Getting an in-depth understanding of the market and learning how to leverage that knowledge
• Helping clients understand the qualitative aspects of safety
• Being able to offer better tools that can help improve safety and make you stand out

Don’t let clients slip away because they don’t know the real value you provide. Take steps now to strengthen your relationships and keep them satisfied.

While police report information-gathering has long been a mainstay of the claims processing workflow, it’s come with some challenges. Manual ordering, slow queues, and disparate or missing data can lead to resource drains and long claims cycle times. Not only that, police report data typically loses value once a claim has been closed. These factors are costly in more ways than one.

Now, new technology solutions are turning police report data into valuable and actionable information faster, more efficiently and with greater accuracy than ever before, while enabling expanded and untapped business potential.

Download this white paper to learn how automated police record retrieval delivers these benefits, and more:

• Business rules-driven one-click police report ordering
• Reduced claims cycle time and cost-per-claim
• Better resource utilization
• Data normalization across multiple data sources and forms
• New business value from archived data
• Improved customer satisfaction and retention

Companies like Apple and Samsung may grab the headlines, but any business can face charges of patent infringement. If your clients own a patent, or even use or sell products with patented technology, they are at risk. Since they rely on you to help protect them from risks they may be unable to see on the horizon, it is critical you help protect them in the area of patent infringement.

Download this white paper to get a better understanding of the inherent risks to your clients regarding patents and how you can help. You’ll learn:

• About new trends and threats
• How operational risk is being redefined and what constitutes standard coverage
• How to provide clients a better safety net

As companies continue to spend millions of dollars and hundreds of hours dealing with patent infringement suits, the demand for patent litigation insurance is only increasing. Arm yourself with a better coverage option to help preserve clients’ businesses.

Traditionally, commercial insurance underwriting has been a manual process, often burdened with multiple rounds of information gathering from customers. However, customers now expect automation as part of the purchasing process and appreciate it when digital tools make the process of buying both personal AND commercial insurance easier. Using a prefill solution can help streamline the quoting process and expedite underwriting time to better meet these expectations.

Download this white paper to discover how commercial carriers can leverage prefill capabilities to improve the ease of doing business during all parts of the process. You will learn how a prefill solution can:

• Enhance data quality and speed up quote times
• Fuel product innovation and help you become the carrier of choice
• Increase profitability
• And much more!

Act now to learn how to increase efficiency and effectiveness in your quoting and underwriting processes and better address customer needs.

The youth sports market was worth $15.5 billion in the U.S. last year, and it’s expected to top $40 billion by 2023. As millions of young Americans and their families visit sports complexes to participate or support loved ones, there’s a need for quality insurance coverage. Many of these sports complexes may be used by amateurs, but they face many of the same legal liabilities as professional stadiums, and all policies must cover visitors and participants.

Download this white paper to better understand the opportunities this provides agents and all the different areas of sports complexes that must be considered when writing coverage including:

• Floors & lighting
• Equipment
• Bleachers
• Parking lots
• And more…

As more youth sports facilities spring up across the country, the need for all-encompassing policies will continue. Act now to unlock this potential source of growth.

Insurance began as a face-to-face industry, and while that may never completely go away, automation continues to become a larger part of your daily routine. The best way to stay ahead of the curve is to understand how to use cutting-edge tools to put your organization on a path to success. This means using the data you already collect in a way that allows you to act instead of react.

Download this white paper now to understand why trying to sidestep the digital revolution is not a risk you can afford to take. You will also receive five predictions for the future of insurance, including:

• What the first line of claims/customer service will become
• How underwriting will change
• Better ways to reach out to customers
• Ways usage-based insurance will develop
• How AI will shape the industry

Don’t get left behind as the rest of the industry embraces the future. Act now to streamline your claims process and become a leader in the field.

Even as the insurance industry continues to grow, many feel that saturation has led to agencies and brokers playing a zero-sum game. Taking on new customers can be both difficult and costly – often more expensive that retaining an existing customer. Additionally, the oversaturated market means customer loyalty is low, so you must have ways to differentiate yourself and show value.

Download this white paper to get a better understanding of what differentiators you can take advantage of, including:

• Unique selling propositions
• Value-add products that competitors don’t sell
• Proven, turnkey products and services

In this age of saturation, you can still grow your client base through effective differentiation. Act now to gain a head start on your competition!

Cybercrime continues to be front-page news, with seemingly indiscriminate attacks keeping everyone on edge. The possibility of cybercrime lurks for companies of all sizes and it can be costly: 1 in 4 claims exceeds $200,000. You and your clients need to understand the most common paths of attack and the best way to spot dangerous risks.

Download this white paper for key insights drawn from widespread data on 2017’s cybercrimes. You will walk away with a better understanding of:

• The most common methods of cybercrime
• Which have a higher success rate and lead to the highest losses
• The true cost to victims
• And more…

You will also receive a list of 10 steps to reducing cybercrimes you can share with your clients and use to help protect your own organization in the future.

Act now to ensure your business is not the next to appear in headlines as a cybercrime victim and help your clients avoid the same fate!

In a market where anyone can get insurance coverage with just a few taps on their phone, it is tough to remain profitable and stand out from the crowd. You must position your agency so that your producers can quickly gain the knowledge necessary to write new business and provide exceptional customer service.

Download this Buyer's Guide now to learn about what challenges you may need to overcome to grow your book of business, such as dealing with disparate information and knowing what questions to ask, as well as methods successful agencies use. Critical factors include having easy access to:

• Insurance publications
• Coverage checklists & risk profiles
• Carriers & their forms/information
• And more…

Do you have the right tools in place to help expand your book of business? Ensure you know what the must-haves are to help your agency break away from the pack!

Healthcare providers can be tricky clients to win over. Intricate regulations and requirements open the door for dangerous exposures, and you need to help head off any of these problematic distractions for your clients.

Download this fact sheet to understand more about the hazards and ways to protect against them. These vulnerabilities can include:

• Expensive investigations and audits around billing errors
• Penalties for violating the False Claim Act
• Continued expansion of CMS enforcement

Use this fact sheet as a tool to help clients better understand the dangers and unique coverage that can protect their business.

Understanding the ins-and-outs of what architect and engineer clients require is never simple. No A&E client is ever the same and their exposures differ from situation to situation.

Download this fact sheet to learn more about how to best cover your A&E clients and address their individual needs. It will help you discuss with clients what types of coverage they may need including:

• Bodily injury and property damage
• Pollution liability and multimedia liability
• Coverage for the acts of subcontractors or others
• Risk management and claims handling support
• And more…

Ensure your A&E clients have the coverage they need when issues arise!

With the rapid growth of healthcare services in the U.S., there are three liability trends you need to know about:

• Home Health
• Medical Spas
• Diagnostic Imaging

It is expected there will be millions of new employees in healthcare and related social services by 2022. With this growth comes greater liability and huge demand for flexible professional liability insurance.

Download this Allied Healthcare Fact Sheet and get info to help you provide the best coverage for your clients and capitalize on a growing business opportunity.

Property managers and owners continue to see growing instances of litigation, and with residential rentals at an all-time high and a sharp spike in commercial property purchasing, the exposures for your clients are greater than ever before. Whether it’s ADA non-compliance or other discriminatory allegations, knowing the specifics about tenant discrimination liability is crucial.

Download this fact sheet to get details on the most common complaints, including:

• The most frequent ADA violations,
• The top states with complaints & lawsuits, and
• How to provide the best coverage for your clients

The continuing spree of cyberattacks keeps putting data security on the minds of most business leaders. They need solutions that will give them peace of mind.

Download this guide to help you and your clients:

• Assess data risk
• Understand costs of a breach
• Select the right amount of cyber liability coverage

In addition to the "5 Steps to Simplifying Cyber Liability" guide, you'll also qualify for access to NAS Online where you can access the market-leading NetGuard® Plus cyber liability insurance.

Take steps now to ease your clients’ worries.

The number of cyber-related crimes continues to climb and it’s essential that you understand how your clients could be vulnerable so you can give them advice on how to stay safe. To provide you and your clients insights on current risks and how much they can cost, NAS Insurance used data from more than 900 policyholder claims processed in 2016 to highlight important trends from the past year.

Download this report now for access to this illuminating data which will help you know what next steps to take. The report differentiates claims activity between healthcare and non-healthcare policyholders and some of the highlights include:

• Why 2016 was the year of ransomware
• The reason for the increase in government regulatory proceeding claims
• The cost of claims in 2016
• What to expect in 2017 and the future

Even though companies and organizations are required to carry limits of sexual misconduct and molestation liability (SMML) insurance, most traditional liability insurance policies specifically exclude these exposures. This can leave your clients exposed and you must take steps now to ensure they are not vulnerable.

Download this fact sheet to learn how SMML can help transportation companies, universities, and municipalities address risks that are often left unprotected.

Proper liability insurance should include coverage for:

• Defense costs, damages, judgements, and settlements
• Allegations of negligence, in addition to actual or alleged acts
• Physical abuse (available by endorsement)
• Employees, including volunteers, part time, seasonal, or temporary

Do not let your clients wait until after an issue arises to plan for a crisis. Act now to get them appropriate coverage.