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How do I access a quote?
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Your applications and quote results are stored on your personalized dashboard. Log in to your account for details on your submissions and unsubmiited cases. Be sure to allow Pop Ups on your internet browser. Email alerts are also sent to you when there has been activity on any account. Click here for the
Dashboard Summary of how to's and directions, or here for Dashboard Statuses definitions.
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I have several agents in my office, should we use the same login?
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No, The login is specific to a single user. We advise you to create a unique login for each producer who may use the system. Click here and select "not a returning agent"
underneath the login area to create a new user. Additionally, click here for a system overview on how to set up and get quoting. You will not be required to complete any additional brokerage agreements as long as the producer is set up on your original paperwork.
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Are the quotes I get real and accurate rates?
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As long as provide and disclose accurate details about your customer during the interview process including, but not limited to: SS#, Names, Addresses, DOB's, VIN#'s, Protection Classes, etc..
Each carrier will come back with their best sellable proposal at that point. Please note: MVR and Clue reports are only generated on firm bind requests, so concise underwriting in advance of these backend procedures is very critical in delivering a customers policy. If you know of rate bearing issues now, it is best to disclose them to the best of your knowledge and we'll work through it together.
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How long does it take to get a quote?
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As long as the information supplied during the quoting session is accurate, expect to receive your quote within 5-15 minutes. In the event there was a underwriting exception required, you may contact the underwriting department about an applicants status by calling (888)
376-9633, ext 1, 2222 and choose the relevant phone pick.
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How many quotes should I expect to receive on each submission?
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Normally you will get three quotes on each submission. Automated quote results are available for all eligible submissions. A manual quote may be provided, if necessary, or when an automated quote is not presented.
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Who decides which carriers will be quoted?
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Carrier appetite and underwriting guidelines determine whether or not your risk will be quoted. We do not decide which carriers to present.
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What are the initial Dashboard Statuses?
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There are five potential statues indicated in the dashboard once you have submitted for a rate. They are indicated by an Icon referencing; In Quoting Queue, Waiting to try again, Currently Quoting, Underwriter Reviewing, and No Result Available.
Note: Underwriting review is the same as Hold or Manual Quote.
In these instances you will need to call or email the case number to an Underwriter
to resolve the issue.
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What are the Status Changes in the dashboard?
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When an electronic response is returned from a carrier, changes will be highlighted to indicate that it has a new status. All Dashboard statuses are shown in the table below. B = received binder from underwriter, Q = received quote from carrier, Q+ = received manual quote(s) from carrier, QH = received quote from carrier with underwriting hold, N/A = not available, S = submitted for electronic quote, M = may be manually quoted, U/W = submitted for quote with underwriting hold, D = declined, E = error during automated processing
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How does the E-mail Notification process work?
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You will receive an e-mail notification for each of four results: 1) Quote, 2) Underwriting Hold, 3) Decline, 4) Error, and 5) Bound. Embedded in each e-mail is a link that will take you back to our new Dashboard to review application results. Clicking on the link requires that you enter your password before having application results displayed. If you leave your computer connected to the internet with the Dashboard page open, Status changes for each application will be displayed within the Dashboard.
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I got a carriers rate back, how do I see the quote proposal details?
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When a carrier has returned a rate, you can simply click on the that carrier rate displayed in your dashboard and a secondary window will appear which allows you to review email an underwriter, edit and re-submit, view a printable proposal you can provide your customer, review billing options, and submit a bind request via email directly to an underwriter who will call you ASAP about that specific proposal.
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I only had one quote returned, are there others still available?
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Yes, if for instance you have submitted a Homeowners quote and only received 1 quote proposal back, many times a carrier edit has occurred which prohibited the rate return. In these instance where you know product is available and the first rate is unsellable, you may request an "M" manual quote release from our underwriter within your dashboard. In these instances, call an underwriters and attempt to clear the quote with them over the phone. Should the edit be released, an automated reply will be transmitted to your dashboard. We always encourage you to reach out to an underwriting on all Exceptions. We're here to assist you in writing business!
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What are Manual Quotes?
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Manual quotes are defined as an application which requires the intervention of our staff in order to return a response. If an application has received two or more automated quotes and the expected premium is below $2,500, we consider the quote process complete. For applications with multiples lines of business, manual quotes will be provided for those lines that cannot be electronically quoted. Our goal is to return manual quotes within 1 business day of receiving the application. Depending upon the carrier system and additional information required, it could take up to 3 business days to receive manual quotes. Please Note: Manual Quotes will be uploaded to the Dashboard with the status shown as "Q+". You will receive an email advising there as been activity on the application.
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What are Underwriting Holds?
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Underwriting holds are generated by the carriers electronic underwriting systems. The most common Underwriting Holds are related to Building Value. Insurance to Value (ITV) holds are best handled by Resubmitting the application using the Edit/Resubmit button and by changing the building value to that shown in the Underwriting Hold message. Requests to release Underwriting Holds will be treated as Manual Quote requests. Please review all Underwriting Hold messages carefully for the information you will need to get the hold released. For those applications which require our intervention, we cannot take action until all required information is submitted to our underwriting department. Requests to release an Underwriting Hold are subject to the Manual Quote process addressed above. In most cases, the Underwriting Hold must be released by the Carrier and generally takes 1-3 business days.
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How are Error Messages handled?
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Most Error Messages are the result of communication failures. Applications which have an Error Message are displayed in an "E" status on the Dashboard. We will automatically re-submit each application three times separated by 20 minutes in an effort to get an electronic response. Clicking on the "E" will display the Error message returned by the carrier. Manual intervention will be required for non-communication type errors.
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How do I revise or make possible rate bearing changes to a quote?
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We realize you may wish to receive a revised quote with alternate deductibles, limits, etc. The most efficient way to handle revised quotes is to click on the Edit/Resubmit button at the top of each quote popup. Clicking this link takes you to the Application Summary where you can edit information and re-submit for an electronic quote. Revised Quote Requests submitted to our Underwriting team will be handled as Manual Quotes. See the
Manual Quote section for expected turnaround time.
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How can I clean up my Dashboard of quotes I no longer desire to see?
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Click on the App# of the case you are wanting to remove. Once open there is an option to either return to dashboard or delete this app, click the button and the Case will be completely removed. Note: there will no longer be any history on your our side!
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