Resource Center

Doing things the way you’ve always done them is quickly becoming a liability. As technology changes and consumers become more savvy, a business that stays stuck in the past is going to get left behind. This is especially true when managing distribution – there’s always new producers to onboard, commissions to track, licenses and credentials to keep up to date, and dozens of other functions that need to be taken care of effectively and efficiently. You need a system that streamlines your processes, reduces time and monetary costs, and lowers risks associated with non-compliance. 

Download this eBook now to learn more about how a modern distribution management system can solve everyday problems you encounter with agents, such as: 

• Inability to attract and retain top agents
• Constant customer service calls from agents
• Shadow accounting and compensation disputes
• Penalties for non-compliance, including fines and damage to your reputation

A modern, highly-automated system brings together mobile computing, cloud-based systems, big data, and analytics to make your business more flexible and able to adapt. Discover how strengthening your internal operations can reap rewards by improving interactions with both your agents and customers.

According to a recent report, 75 percent of U.S. businesses are underinsured, and 40 percent of small-business owners have no insurance at all. That means most commercial clients and prospects don’t have the coverage they need, but you can take steps to help eliminate their coverage gaps. Help customers cover risks they face, but aren’t considering, and grow and diversify your book in the process.

Download this eBook now to understand why people don’t buy insurance, where to find them, and how you can cross-sell your way into the gap. You will learn five ways to help them, including:

• NatCat add-ons, such as private flood and earthquake 
• Cyber 
• Business interruption  & CBI
• Filling liability gaps, including professional liability, EPLI, and commercial umbrella
• Specialty lines, such as engineering and construction, as well as e-Commerce

As your agency faces pressure from the commoditization of personal lines and tech-driven automation – a move into more complex commercial lines offers you promising growth opportunities – discover how you can improve trust and help the underinsured now. 

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!

Many large insurers want to increase staff, but it’s getting more difficult to find the right people to fill the empty roles due to the extremely low unemployment in the industry. To compete, carriers need to create a more dynamic, engaging workplace to attract and retain talent.

Download this guide now to understand the importance of creating a happy, healthy, and empowered workforce, including: 

• Bolstering productivity
• Advocating for empowerment
• Reducing costly mistakes
• Next steps you should take

Learn how you can make the right choices for a better workforce.

Customers today are used to researching and making decisions faster than ever before, which can make it harder for you to quickly close new opportunities. Shorter time frames means you don’t always have time to build trust and rapport with clients. To maximize your time with your customers, you must be efficient and have accurate and useful data at your disposal. You must also meet the growing demands for a rapid customer experience.

Download this eBook now to understand the importance of real-time data and the cost of using “old” data. Better data means it is easier to close a client because you are not as vulnerable to:

• Inaccuracies
• Missed opportunities
• Chargeback fees
• A poor customer experience

Act now to discover how to embrace the speed of the future and ensure your agency is set up for success!

Are you retaining employees? What would happen if you lost your top performers? Employee retention is critical to the success of any business, but the healthy economy, low unemployment, and rising employee expectations have created the perfect turnover storm. Take a look at your agency and ask yourself if you are doing enough to retain your talent. If the answer is no – you must take steps now.

Download this guide now to get insights into the critical areas on which you can focus to mitigate turnover, including: 

• The importance of clear expectations and goals
• Why it’s essential to recognize and reward
• How you can set employees up for success

If you understand your employees’ daily workflows and pain points, you can make their work lives better and more comfortable. Get the answers you need now to keep employees satisfied. 

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!

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!

Fulfilling requests for copies of claim files can suck up a huge part of a claims professional’s day and severely hinder productivity. You and your team need ways to cut down the amount of work and time these requests require. However, moving so fast that a key step is missed or sensitive information isn’t safeguarded is not an option.

Download this step-by-step worksheet now to use as a checklist when fulfilling requests for copies of claim files. It will help your team keep track of all the critical steps, including:

• Logging, tracking & verification of the request
• Retrieving claim information
• Ensuring only authorized information is released
• Keeping sensitive data private
• And more...

Get this tool now to help you streamline the process so other professionals can get the data they need, while your team avoids delays in important day-to-day claims processing. Let this worksheet guide you to a better, smarter methodology.

As you know, the condition of a roof can make or break a policy approval or renewal. Poor-quality and unreliable free imagery tools often won’t cut it, but you want to avoid an on-site inspection that requires someone to visit a property and climb onto the roof. A superior alternative would be an imagery solution that helps you work smarter, giving you high-resolution views to help identify the current roof condition and any risk factors.

Download this white paper now to get more information about new advancements in aerial imagery and AI, computer vision bots that provide reliable data to help you make smart policy and pricing decisions. You will learn: 

• Which factors are most important in policy decision-making
• How you can assess property risk from a desk faster than if you’re on-site, and with more accuracy 
• Ways a 160-year-old insurance company solved its underwriting problems
• Why free aerial-imagery tools could be hurting your bottom line

Take steps now to curb the need for on-site roof inspections and learn how you can write accurate, low-risk policies and more easily keep your portfolio up to date.

Adjusters need tools that are simple and don’t require a great deal of extra equipment in order to maximize their efficiency in the field. Having to perform many tasks “on the go”, they need all the functionality typically available at a desk, but in mobile form. One option is to use smartphones adjusters already have with them, leveraging apps specifically developed for efficient voice recording that supports speech-to-text document creation to further connect with existing claims processing systems.

Download this eBook now to get more information on how to optimize the tools your adjusters’ use. You’ll discover how you can:

• Automate routing of voice recordings, transcription, and document creation to reduce workload for adjusters responsible for generating their own reports
• Increase data security to safeguard sensitive information recorded in the field
• Reduce complexities in claims processing resulting in more organization, fewer errors and tangible time and cost savings 

Make sure your whole team has the resources they need to stay competitive and reduce burnout, while increasing claims efficiency to exceed customer expectations.

In today’s fiercely competitive P&C market, everyone is looking for ways to differentiate. Some carriers have turned to aggressive pricing or specialized products. However, the greatest opportunity may be for organizations to build their brand while ensuring policyholders get an exceptional claims experience. Policyholder satisfaction is especially vital in the digital age, where, with a single keystroke, policyholders can share their experiences — good and bad — with a vast online audience. Reputations can rise or fall on social media. This is why you must focus on policyholder experience now and make sure you influence and control it for the better.

Download this white paper now for best practices that can raise the customer experience bar and set the foundation for long-term, positive relationships. These include:

• Why you should invest in advanced technology and where to focus
• How to offer services that go beyond traditional loss adjusting
• Ways to foster trust through transparency

In this world of instant feedback, the customer is king, and that is why optimizing policyholder experience is crucial. Discover how to optimize it now and make sure your organization thrives in this evolving landscape. 

For many organizations, an OSHA visit can start a panic. This is especially true lately, with stories surfacing that OSHA inspectors are acting like revenue drivers who are actively looking for ways to hand out violations and fines. Many claim OSHA inspectors bait employees into giving a wrong answer so they can issue a citation. Knowing this, it’s essential your clients prepare for an OSHA visit before it takes place so they are ready, if and when it happens.

Listen to this on-demand webinar now to get insights on how to prepare for an OSHA inspection,specific intel on how the inspection may go, and what your clients need to do before, during, and after the visit. This includes:

• Identifying what their rights are 
• The importance of of recordkeeping
• How to treat inspectors, including the importance of an escort
• What inspectors can and cannot document and fine
• Ways to treat violations
• The top 10 issues that lead to violations

Make sure your clients are ready for an OSHA inspection at any time so they can avoid fines, and if there is a violation, that they know how to minimize the damage. Arm yourself with vital info now so you can guide them through this high-risk process.

When a request for a copy of a claim file comes in, it often gets put atop an already impossibly high stack. With the additional pressure to meet quotas and provide excellent customer service, claims professionals simply don’t have time for productivity black holes that can impact internal costs, and growth. You need solutions that help them focus on their core job functions by preserving their most valuable resource: time.

Download this white paper now for five key steps to streamline your process for fulfilling requests for copies of claim files. These include:

• Methods to log, track, and verify requests
• Better ways to retrieve claimant information
• How to ensure you only release authorized information
• Tactics to help you safeguard confidential data
• Defining what completing a request actually looks like

Help your adjusters decrease activities that are a huge drain on their time and help them maximize their productivity. Discover better ways to fulfill requests for copies of claim files and protect your bottom line.

Everyone loves “free” - but free may not be a good idea when it comes to your business. As you make insurance coverage decisions based on analysis of critical data and aerial imagery, you cannot afford to let false information undermine your underwriters’ efforts. Many carriers use free tools to help in the process, but that means underwriters may make critical decisions using inconsistent, outdated and low-resolution imagery designed for consumer navigation. These “free” tools could cost you money.

Download this white paper now to get insights on the importance of aerial imagery and how free versions could be sabotaging your entire process and hurting your bottom line. You will also learn:

• How a 160-year-old mutual insurance company suffered by using free aerial images
• Ways underwriters can build a holistic risk profile for every property they write
• Why spending money for images could ultimately save you money

Take steps now to ensure your underwriters have the  tools they need to write accurate, low risk policies. This protects your business and should positively affect your profits.

As the insurance industry begins a new decade, many carriers are focusing their investments on capabilities that will help them thrive in this increasingly fast-paced, data-driven market. Chief among those are artificial intelligence (AI) and machine learning (ML). To help improve business outcomes it’s crucial to understand how other insurance professionals are using these evolving tools, as well as the benefits they bring and potential challenges with implementation.

Download this white paper now for research that provides insights into AI and ML use among the top U.S. carriers. You will also learn more about:

• Industry perceptions of these technologies
• How AI and ML are helping carriers address 3 key business problems
• The 4 challenges adopters of these technologies are facing
• Where most carriers are leveraging these technologies and the tangible results/benefits they’re seeing 

AI and ML are more than just buzzwords in the insurance industry. These technologies can help streamline processes, better meet customer expectations and get more out of talent. Find out how your organization can reap the benefits through more efficient processes, better customer targeting and improved fraud detection.

You don’t become a top player in the market by doing what everyone else is doing. In a crowded marketplace where everyone offers the same P&C insurance products prioritizing client relationships over top-down sales numbers can help firms stand out among the rest. To do this you need a way to provide your agents value-added services that will help their customers  improve efficiencies and workplace safety outcomes easily.

Download this case study now to learn how one brokerage firm found success with a unique approach to agent development and support. You will discover how you can affordably offer agents:

• Training and recognition
• Access to an all-in-one risk management tool to help identify client pain points
• Value-added trainings and services they can offer to their customers

Comprehensive resources, powerful white-label tools, on-demand answers, and responsive support can change the game when it comes to meeting customers’ needs. Don’t wait for your competition to jump ahead of you, differentiate your organization now.

In today’s increasingly competitive landscape, client business comes at a premium. You must work harder than ever to stand out – ensuring you grow your client base and retain the clients you already have. To make sure your business is on the right track, you need to understand how you currently operate: Is it more like a doctor or a dentist? If it’s not a dentist, you may want to reassess your business strategy.

Download this checklist now to get a better understanding of the two different approaches and what questions you need to ask yourself to make sure your business is positioned to grow. These questions include: 

• How often do you check in with clients?
• Do you work with your clients to understand where their risks are?
• What do you provide clients in regards to compliance?
• And more…

Make sure you treat your clients the way that best positions your organization for success. Find out why the dentist approach will help you build your business.

In addition to selling them the insurance policies they need, one way you can make your clients’ lives easier is by helping them to reduce their claims. Giving them tools to help mitigate risk can go a long way in this area, making it easier for you to retain clients and grow your business. Ideas to consider include:

• Automation of incident reporting and trend analysis
• Training to prevent future incidents
• Providing strategic guidance as you monitor problem areas

Download this checklist now for a comprehensive way to keep track of all the areas you can help protect your clients from risk, ranging from P&C risks to employment law risks.

Act now to prove your value and ensure clients can manage their insurance costs, have greater visibility into their own trends, and stay on top of regulatory requirements!

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!

The competitive market has everyone in the industry looking over their shoulder. There is a constant worry clients could up and replace you without notice and a trend toward pricing wars that reduces bottom lines. One solution is showing clients how to save in new and creative ways, such as through workplace safety. By offering advice outside of the policies you sell, you can help them reduce administrative costs and show your value beyond what clients expect.

Download this white paper now for insights on how you can stimulate sales despite higher competition and the downward trend of prices. Your clients will begin to see you as irreplaceable when you:

• Better capitalize on opportunities in the changing marketplace
• Give them an understanding of how safety can help their bottom line
• Offer tools that encourage clients to make safety a priority

Clients need to see your true value. Act now to stand out and show them why your relationship is more valuable than just the price they pay for policies.

In today’s digital era, insurance QA is undergoing an evolution that challenges manual QA techniques in favor of automated systems that reduce the redundancies and the time it takes to perform audits. QA automation is quickly becoming essential as the demands for better claims quality and more accurate data increase. Insurers need to find a more efficient way to assure quality now as the marketplace speeds ahead.

Download this white paper now to examine the challenges of manual audits and discover the top 5 benefits automated auditing  can provide. These include:

• Creating a consistent flow of information
• Prepopulation of claims data to increase speed
• Allowing you to access data in real time
• More flexibility and scope in your reporting
• Freedom from constantly relying on internal IT

Take steps now to learn what your organization needs and how you can eliminate manual, repetitive auditing tasks. Determine your requirements and seize the opportunity for automated QA to help improve your business.

The growing number of natural disasters in the U.S. aren’t just wreaking havoc on people’s commercial and personal property, they also make a direct hit on the insurance ecosystem. The increased workload continues to press insurers’ already strained resources. However, superior pre-planning can help you stay ahead of any crisis, which is why a catastrophe response plan (CRP) is crucial. Also known as a business continuity plan or a disaster management plan, a CRP can help you assess growth in catastrophe-prone areas and efficiently allocate resources to support your customers.

Download this white paper now to learn about six key steps you need to consider when developing a CRP. Even though every insurer’s CRP should differ based on region and risk, these items are universal and will ensure you’re prepared. They include: 

• Assembling a response team
• Monitoring growth in high-risk areas
• Maintaining non-catastrophe claims during an emergency
• Staying vigilant for fraud
• And more… 

Make sure you have the processes and procedures in place to reduce the chaos inherent with natural disasters so you can better serve your customers during an emergency.

The headlines don’t seem to stop: Community after community in the U.S. is experiencing record flooding. While this has led to an increase in privately written flood insurance, shortcomings in the FEMA dataset make it difficult for insurers to properly assess true risk. You need a better way to map out the risk in certain areas so you can calibrate your loss history and write smart policies.

Download this white paper now to get insights on how to overcome incomplete/inconsistent data and supplement existing FEMA flood maps. New tools can help you simplify the process of underwriting flood policies and improve assessment of potential risks in any area of the lower 48 states through:

• Probabilistic risk assessment at 10-meter resolution across the U.S.
• River & coastal flood risks in one simple dashboard
• A comprehensive grid that represents flood frequency and intensity and gives you easy-to-use risk scores on a 1-10 scale

Many anticipate that the number of floods will only increase in the immediate future. Now is the time to embrace new methods to help properly assess and manage risk.

While wildfire is not the most common peril insurers deal with, it remains the costliest disaster on a per-claim basis and losses from wildfires in recent years have soared into the multiple billions of dollars. Accurately quantifying the risk to a property from wildfire can help prevent an insurer from writing risky policies that are most likely to file an expensive wildfire claim. 

Download this whitepaper now to get a better understanding of all the factors involved in wildfire risk and how you can more easily and correctly score this risk. You’ll learn:

• Why the human component of wildfires should be accounted for in models
• Reasons why topography is a huge issue
• Why many common approaches for natural hazards don’t apply

Wildfires will continue to be a big part of your claims moving forward - discover how to gauge the risk and write better policies now.

While wildfire is not the most common peril insurers deal with, it remains the costliest disaster on a per-claim basis and losses from wildfires in recent years have soared into the multiple billions of dollars. Accurately quantifying the risk to a property from wildfire can help prevent an insurer from writing risky policies that are most likely to file an expensive wildfire claim. 

Download this whitepaper now to get a better understanding of all the factors involved in wildfire risk and how you can more easily and correctly score this risk. You’ll learn:

• Why the human component of wildfires should be accounted for in models
• Reasons why topography is a huge issue
• Why many common approaches for natural hazards don’t apply

Wildfires will continue to be a big part of your claims moving forward - discover how to gauge the risk and write better policies now.

The headlines don’t seem to stop: Community after community in the U.S. is experiencing record flooding. While this has led to an increase in privately written flood insurance, shortcomings in the FEMA dataset make it difficult for insurers to properly assess true risk. You need a better way to map out the risk in certain areas so you can calibrate your loss history and write smart policies.

Download this white paper now to get insights on how to overcome incomplete/inconsistent data and supplement existing FEMA flood maps. New tools can help you simplify the process of underwriting flood policies and improve assessment of potential risks in any area of the lower 48 states through:

• Probabilistic risk assessment at 10-meter resolution across the U.S.
• River & coastal flood risks in one simple dashboard
• A comprehensive grid that represents flood frequency and intensity and gives you easy-to-use risk scores on a 1-10 scale

Many anticipate that the number of floods will only increase in the immediate future. Now is the time to embrace new methods to help properly assess and manage risk.