More Power to Small


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If it’s not one thing we’re doing, it’s another. And another. And another. And … you get the idea.
It’s the combination of our people, products, technology and capabilities that’s helping to put the power of small in the palm of your hand. And not only will your employees feel it, your book will, too.

The Power of Small at Work

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EASIER QUOTING
 
Why enter more data than you need to? We use powerful data behind the scenes – which you can still modify if necessary. Eliminating unnecessary data entry lets you spend more time doing what your customers want – providing counsel to them and tailoring coverages to their unique businesses.
 
  • 90% of quotes in target industries have zero underwriting questions1
  • 85% of quotes less than $5K in premium ready for immediate issue
  • 5 risk characteristics we prefill on property quotes
My Account
REDUCE AGENCY WORKLOAD

Your customers expect to be able to do the simple things online and we’ve got the self-service portal for them. It’s already happening … we’ll deliver more than 200,000 certs online in 2018. That’s just the beginning.
 
  • 40% of bill payments made online – credit cards accepted2,3
  • 39% increase in online cert requests fulfilled digitally in 20183
  • 32% of customers are receiving their policy documents digitally3
 
Inside Sales
WE CLOSE FOR YOU
 
The power of our licensed underwriters turns your smaller leads into revenue for you – your customer, our E&O. If you’re not yet taking advantage of this, talk to your sales rep. We’ve written more than 25,000 policies for 1,000 agents already year to date.4
 
  • Co-branded experience on behalf of your agency
  • Consultative sales approach helps uncover needs and recommend appropriate coverage solutions
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LEAVE THE SERVICE TO US
 
Smaller premium policies can generate larger profits when you leave the service to us.
 
  • Personalized customer service experience branded for your agency includes coverage reviews, upselling and cross-selling
  • 400K+ Customers serviced; 2M+ Phone calls handled annually
  • 700+ Experienced service professionals ready to assist your customers in any way possible
Payroll Billing
HIGHER RETENTION
 
Lifts your retention by as much as three points. Our payroll billing option easily connects a customer’s actual payroll to their workers’ comp billing so audit surprises are reduced. And agents are selling it at staggering rates.
 
  • 103% Increase in new payroll-billed policies
  • 1,392 Agents issuing new payroll-billed policies
 
Expanded Definition
BIG OPPORTUNITIES IN SMALL
 
Offer the same industry-leading products and capabilities to customers on the larger end of small.
 
  • $160M new business issued in 2017 on accounts > $10K
  • High thresholds: $40M property; $40M sales; $20M payroll
 
 
 
 
 
1 Applies to Spectrum® business owner’s policy (BOP) and workers’ comp quotes.
 
2 Credit cards accepted when paying in full or paying off a remaining balance.
 
3 Through September 2018.
 
4 Through October 8, 2018.