POLICY SPOT: 24/7 Automated Service Department
Manage your online service request submission, tracking and policy documentation.
MGA PRO: Surplus Lines Rating
MGAPro provides instant Surplus Lines quotes, including taxes and fees.
RENEW: Policy Renewal Manager
Systemize your renewal process by re-quoting your policies with current policy details from your agency management system.
FETCH: Policy Document Retriever
Automate carrier document retrieval, e-mail distribution and storage.
CLOWSER: Appetite and Underwriting Rules Engine
Streamline your online interface for carrier appetite and underwriting rules.
INSURERATER: Online Comparative Rater
Power your online quoting with our self-service comparative rater for personal and commercial lines.
MEMBER ONE: Agency Relationship Toolset
Manage your sub-agent application and approval processes, licensing, E&O and agency communications.
Our customers span the entire insurance industry from rural agents to multi-national brokers and insurance companies.
Over 25,000 agencies use our platform and we have over 45,000 users.
In 1999, InsureZone began developing its technology platform which consists of 13 proprietary products. With our clients' insight, we have helped our users reduce their operational costs by an average of 30% while at the same time more than doubling their submissions and premium written.
If you have time to talk about your business, we are ready to listen...
InsureZone's suite of tools streamlines the sales and servicing of a policy so you can focus on what really matters...REVENUE!
We allow you to leverage our investments, so you can compete against the billions spent on advertising by direct writers. In addition, this platform allows your agency to focus on larger accounts...because we handle the many small fires that distract you from the issues you really want to focus on.
By using InsureZone's commercial and personal lines comparative rating tools, your agency can streamline the way it handles the small account which will allow your producers to focus on larger accounts. This is the only comparative rating platform in the industry that works for BOTH commercial lines (23 carriers) and personal lines (100 carriers) using the the same interface. This self-service tool can be found at www.ComparativeRating.com
InsureZone focuses on productivity at all levels of an agency. In a typical agency, 30% of the work done each day is handling documents (paper and electronic) related to the certificates, endorsements, ID cards and copies of policies. InsureZone has created its Fetch tool to automate the retrieval and delivery of documents to your producers and insureds.
Provide real-time rates to anyone in the world, 24 hours a day, with Leads 2.0! InsureZone enables you to provide real-time comparative quoting from multiple national carriers on your agency website. The InsureZone platform also offers integrated lead management as part of our InsureZone Direct and AgentSecure operations.
InsureZone Direct allows your agency to be part of a national organization so you can leverage our relationships to maximize your revenue through shared bonus programs and higher commission rates.
AgentSecure is a 50-state wholesale operation and is ideal for those agencies seeking access to standard/preferred national carriers.
Our service dashboard equips your staff with the tools you need to service your customers 24 hours a day. Our cloud-based solution takes the pain out of servicing your book of business:
InsureZone allows you to minimize your overhead costs by using our U.S.-based back-office infrastructure to assist in all aspects of your daily operations and includes:
These services are offered on an "on-demand" basis and are part of either our InsureZone Direct network or as part of our AgentSecure wholesale operation.
(outside of Houston — Tier 1 and tough to write any property risks)
"Without AgentSecure, I may not have my agency today. I have always worked as an independent agency. I was working with...and storms along the Texas coast significantly changed carrier appetite for my customers. And because of the carriers that they brought to the table and the technology that InsureZone offers, I decided to consolidate all of my business with AgentSecure.
It has been a terrific partnership since 2007." -Gary Brisco
Our platform gives you the ability to supercharge your agency’s general business, or initiate program and affinity relationships. In addition, InsureZone can provide you a number of options, such as outsourcing, to significantly grow your small commercial and personal lines operation. Bottom line, InsureZone offers a consultative approach which your operation can leverage in ways that best fits your business model.
InsureZone can help you take your programs to the web. Many brokers have grown significantly through their program business but the expectations from the franchisee and affinity members are getting higher and competition is getting tougher. The InsureZone platform can be used to automate your application process and help your programs continue to grow.
InsureZone has found over the years that the two primary needs of the brokers with whom we have worked are:
It just so happens that these are primary strengths of the InsureZone platform.
Most brokers have significant personal lines and small commercial operations...and most brokers do not reward their producers for selling these types of policies. So why not leverage InsureZone's sales and service operation to turn your small commercial and personal lines into a high quality service division and a significant money maker for your organization.
Keep in mind that the InsureZone platform is being used to outsource more of this business than any other software provider in the market.
InsureZone has proven it has the operational skills needed to connect all of the tools that your organization uses each day: submissions process, Acord PDF applications (PDF to XML data), customer clearance, document management, agency management, accounting and policy issuance.
In addition, for carriers that do not have XML capabilities, InsureZone has developed a web-scripting tool called BOWSER to automate the completion of carrier quoting web sites. Once the mapping logic is created, BOWSER will answer each question on each page and handle all of the complexity associated with dropdown choices and state variances.
The InsureZone platform can be used to radically alter the operating environment for your company. By creating one electronic front door for your producers, your affinity groups and program partners your organization will get the following:
Do you dread that year-end discussion with the CFO about the return on investment the company is getting from the software your organization bought and possibly does not even use?
Well, with InsureZone, the math will finally be simple. Submissions will double and you will be able to handle your workload with fewer people....and other departments will be asking for advice about how you did it.
InsureZone first met with Swett & Crawford in 2007. Their objective was to have a single entry, multi-carrier interface with eight workers comp carriers which would allow their producers to receive proposals from all carriers that had an appetite for the risk. Swett & Crawford also wanted to have control over which carrier proposals were presented to the prospect. InsureZone was able to acheive this in just under three months.
As the director of technology you solved problems and moved on. With InsureZone, you can leverage our technology investment so that your operations can focus on growth and not have to worry about Band-Aid solutions that have piled up over time.
Our technology platform is modular and gives you the flexibility to add the products and services you need over time. In addition, the platform equips you with the controls you need to manage the complex relationships with your agent base.
The success of your operation depends upon attracting, training, and retaining the best agents from around the U.S. With the InsureZone MemberOne tools you have the ability to manage all aspects of your interaction with your sub-agents including: membership applications, background reviews, onboarding, access to carriers and lines of business, training, E&O maintenance, license tracking and agency communications.
A potential customer recently told InsureZone that on average, they communicate with the submitting producer 7-10 times before they have the information they need to provide an accurate proposal. With InsureZone's platform, the only applications your operation will receive will be Completed Applications. The features of our web applications include:
Once you have received your completed application, the next step is making sure that each carrier with a true appetite for that risk gets quoted. With InsureZone's CLOWSER rules engine, that is exactly what happens. This tool manages all of the appetite and any underwriting and exclusionary rules provided by your carriers and it gives your operation the control you need to manage your book of business and loss ratios right down the zip code level.
InsureZone's platform can bring a number of tools to your business that will result in the operational efficiencies that you have been hoping to achieve such as:
InsureZone's state of the art service capabilities are setting the standard for the insurance industry. Our service dashboard equips your members with a self-service location to manage all aspects of their book of business with real-time notifications when transactions are complete or changes are made. Dashboard functionality includes:
It may be hard to believe that a technology company thinks about sales and marketing for their software customers, but as a user of its own technology, InsureZone realizes that efficient operations are only the starting point for growing your company.
So if your marketing road-map is taking you in every direction but you are still held back by operational roadblocks, then InsureZone is the right partner for you.
The story of AgentSecure is compelling: 50-state licensed wholesaler; 2,000 sub-agents; one person handles all membership, E&O and licensing; 500-700 applications received per day and quoted on average in less than 7 minutes and all handled by seven staff members. In the service department they handle phone calls and every type of service request possible. Average time to completion is just 2.5 days. (Yes, you read that correctly!)
The bottom line is that this platform was designed and programmed by people who wanted to sell and service policies in the simplest manner possible and that is what we are offering your operation as well.
With InsureZone, you can achieve the goals you have set for your network/alliance without the huge capital costs required to match and ultimately exceed, the offerings of your competition.
Using our MemberOne tools, manage the entire agency onboarding process; from membership application, to background checks, E&O management, licensing, agency communications, carrier and line of business access.
As part of our on-boarding process, InsureZone offers scheduled and routine technology training in order to provide you with the guidance you need to effectively use our platform. In addition to these services, direct carrier access is available as part of the program.
InsureZone has the insurance industry's only true rating platform for personal lines (100 carriers), commercial lines (24 carriers) and surplus lines (3 carriers). The InsureZone platform provides a single entry multi-carrier rating system that returns results in 30 seconds to 7 minutes depending upon carrier quoted and line of business. Let's recap:
Our platform gives you the controls you need to grow your operation with the confidence that polices are being underwritten and bound correctly. These controls include:
InsureZone can provide all of the tools your agency needs so that your producers and agency partners can be "in the office" wherever they are.
Tools Available Include:
It is a bold claim, but it is possible to improve your loss ratios with the use of CLOWSER — our rules engine for managing carrier appetites — exclusions and underwriting rules. This tool manages appetites down to the zip code level on a national basis.
Greg Holt, Owner of MSI Group, LLC, "I never could have imagined partnering with InsureZone would result in 75% growth in our first year!"
"We were able to achieve this by adding our 90 MSI agencies with 70 carriers onto the IZ platform within 90 days."
InsureZone's connectivity tools enable your organization to connect all aspects of business operations including: submission management, customer clearance, document management, rating and quoting, agency management and policy issuance. Finally, single entry is possible.
InsureZone provides a tool suite that allows your online portal to accept submissions from all types of risks through one front door. It will not matter whether they are submitting personal lines, commercial lines, standard or surplus risks, your web portal will give your agency partners a simple interface for all risks.
You have been seeking a solution that would provide this for years...
And it is possible with InsureZone. Finally, a solution that connects your submissions web site and all of your internal systems – clearance, document management, policy issuance, accounting, rating tools, sales workflow and carrier sites. As a result, you will no longer have to re-key the same info into multiple internal systems.
This tool offers the chance to consolidate your sales workflow - from submission to point of sales
The MemberOne toolset allows you to manage many aspects of the relationship that you have with your producing agents. The toolset includes:
You can leverage the InsureZone platform to create a unified experience for your program and franchise web sites.
As the leading provider of commercial Insurance rating solutions with over 35,000 agency users, InsureZone can provide your producers the ability to get premium indications in real-time from both standard and surplus lines carriers through one submission interface. Below is an indicative list of carriers available through the InsureZone platform:
InsureZone was selected by the AAMGA to solve a technology issue that stymied the E&S marketplace for many years. The issue had three parts:
The total development time for InsureZone to address this problem was just over four weeks. The finished integration was completed in June of 2009.
We are ready to do it for your operation as well.
Why? The InsureZone platform includes the best practice insights it has gained as a result of providing its technology to other agencies, brokers, wholesalers, MGA's and carriers. This software vendor experience has taught us the ways in which our own insurance operations as well as outside agency’s can improve their loss ratios while generating higher premium levels. Carriers can also leverage the distribution pipeline available through InsureZone’s thousands of agency technology partners. If these comments surprise you coming from an insurance technology company, then let us tell you about some of the success stories.
InsureZone programmers wrote the original XML e-commerce platform for the insurance industry and also created the first commercial lines comparative rating platform in 1999. Since that time, InsureZone continues to be a leader and an innovator creating a platform that includes 13 proprietary products that are today used by more agencies than any other commercial lines rating vendor. The typical impact to an agency's operations from the use of the InsureZone platform is a doubling of submissions in conjunction with a 30% reduction in operating expenses.
We know your time is valuable, so why not work with the best.
The InsureZone platform was built using XML from the ground up and it is fully XML compliant which offers significant data exchange flexibility. The following are some of the benefits of having a "native XML" platform:
For carriers that do not have XML capabilities, InsureZone has developed a web-scripting tool called BOWSER to interact with carrier web sites...the same sites that are used by agents for rating. This tool allows InsureZone to collect data on its web interface and receive a proposal from all carriers that have an appetite for the risk without the submitting agent having to re-key any information.
InsureZone is a trusted partner that any carrier can rely upon to assist them as they seek to expand their market presence, integrate with third party vendors for rating, grow their agency and manage the quality of submissions.
Size and experience do matter, especially in an industry that handles so much sensitive data. With InsureZone you have a partner that is creating and connecting the infrastructure to meet the policy sales and servicing needs of any agency, broker, wholesaler, or MGA. We need to partner with the best carriers around the industry to make our strategy work.
Today, InsureZone provides services to over 35,000 agencies and over 45,000 agency users. Our platform connects to 25 commercial carriers and can connect to over 100 personal lines carriers. Our platform has processed nearly 4MM applications in the last five years and quoted well over $1.8BN in premium.
With InsureZone, you have a partner that can assist your operational growth in many ways such as:
The following platform tools are available to help manage your agents: