Personal Lines Workflows
Renewal and Cross-Sell Process:
Renewal and Cross-sell assignment of duties:
Renewal and Cross-sell assignment of duties:
Scripts and Template for emails, letters, and text:
Fair Plan Underwriting Memo Workflow:
Download Reports: Cancellations and Non-renewal processing:
Hannah is checking the Cancellations and Non-Renewals that download.
She is researching each to see why they are being non-renewed or cancelled. Then she is taking one of these actions:
- If it is a House Personal account, no action will be taken.
- If home policy is mortgagee billed, Hannah will contact the mortgage company to see if she can resolve the issue.
- If first year of the policy term and there is a cancellation or non-renewal issue outside of a mortgagee bill issue Hannah will research and notify the producing agent. The producing agent will then need to resolve the issue.
- If second year of the policy term and there is a cancellation or non-renewal issue outside of a mortgagee bill issue Hannah will research and notify the personal lines team at **reed@reedinsla.com**. Someone on the personal lines team will then resolve the issue.
Personal Lines New Business Checklist:
Handling the breakup:
New Policy process after carrier issuance
New Personal Lines Address when Mailing Address may be different
In order to make sure that our new client onboarding goes as well as possible, that we give our new clients the best experience, and we capitalize on obtaining the most client referrals, I have an update to our initial process of adding new clients.
There are some scenarios where the mailing address and physical address are not the same for a client. This has not been an issue in the past but as we continue to write more business each month, adapting our processes will be something we need to do.
Here are two examples of where the client may want to receive their mail at a different address than where the property is located.
- The client has not closed on the house yet and is not living there yet.
- It is a secondary home and should receive mail at their mailing address
It is very important that we have the correct mailing address of the new client in Better Agency and Ezlynx for the following reasons:
- The insurance company will automatically mail the policy to the client within a few days of binding coverage
- We have a thank you note coming to them within days of issuance
- We have a gift box coming to them within 2 weeks
Our initial onboarding process needs to be within the first 30 days to gain the highest amount of client referrals, understanding this, we need to make sure we keep the timeline in tack for our onboarding.
Here is the process for handling this:
Scenario 1: Client has bound coverage but has either not closed or has not moved into the home yet:
- Make sure policy, Ezlynx, and Better Agency all reflect the clients mailing address as it will be once they are living in the home
- Email Melissa and Sue what the current mailing address is so they can mail the thank you note and gift box to the correct address.
- If the policy is returned to our office, Melissa or Sue will need to verify the policy effective date and hold the policy to re-email on that date.
Scenario 2: We issued a policy for the secondary home and mail will be received at another address.
Make sure the mailing address for the client is correct:
- On the policy at issuance
- Better Agency prior to moving to “Won”