Training Ideas

Fun Facts 

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?

• Do they download in our management system?

• Do we have a service center with them?

• What are their business hours?

*Billing:

• Show how to put someone on EFT.

• Show how to make a payment.

• Show how to check billing.

*BORs

• How do they handle this (specify for each LOB)? 

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

• Can we BOR?

*Policy Changes:

• Show how to make a change on the carrier website or via email.

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).

*Claims:

• Where to file a claim.

• View claims status.

• Get claim contact info.

• Do they use a Third Party Adjuster (TPA)?

*Discounts (Bundle):

• What discounts do they offer?

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?

*Loss Runs:

• How to obtain loss runs?

*Risk Management Services:

• What are the risk management services offered by the carrier?

*Rewards Program

• Does the carrier offer rewards?

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus 

*Online Training Videos

• Do they have a section for online training courses or how tos?

Fun Facts 

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?: Yes

• Do they download in our management system?: Yes

• Service Center Availability: Open 24/7, contact at (877) 776-2436

*Billing:

• Show how to put someone on EFT: We can enroll the insured on EFT during the quoting process

• Show how to make a payment.: All payments are handled through Direct Bill.

• Show how to check billing.: Use the FAO system or the Progressive mobile app (if the insured has it).

*BORs

• How do they handle this (specify for each LOB)?: Ensure the form is filled out completely without leaving any blanks. Follow up within 5 days.

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?: No, you don’t have to wait for renewal; however, Progressive will not cancel or rewrite midterm. Commission will not be paid until the policy ends.

• Can we BOR?: Yes, BOR is allowed for all LOBs - even commercial auto

*Policy Changes:

• Show how to make a change on the carrier website or via email.: Email: progressivecommercial@email.progressive.com or visit website

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants): Yes, you have binding authority for policy changes.

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).: The underwriting guidelines and information for different LOBs are available under the "Products" section of Progressive’s website. Be sure to upload these guidelines to our internal Notebook for easy access.

*Claims:

• Where to file a claim.: The insured can call Progressive’s claims department or file a claim online via their mobile app.

• View claims status.: Claims status can be viewed via the mobile app or by calling the claims department.

• Get claim contact info.: Claims contact: 1-800-274-4499. For more details, click the three-line menu online and select Contact Us, and scroll down to Claims.

• Do they use a Third Party Adjuster (TPA)?

*Discounts (Bundle):

• What discounts do they offer?

  • Snapshot® Safe Driver Discount: Enroll in Progressive’s telematics program to monitor driving habits.

  • Automatic Payment Discount

  • Pay in Full Discount: Up to 11% off for paying the premium upfront.

  • Paperless Discount: Additional savings for opting to receive documents electronically.

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.: All information is correct, with the addition of a loss runs request email.

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

  • CG 20 10: Additional Insured – Owners, Lessees, or Contractors – Scheduled Person or Organization.

  • CG 20 37: Additional Insured – Owners, Lessees, or Contractors – Completed Operations.

  • CG 20 26: Additional Insured – Designated Person or Organization.

  • Primary and Non-Contributory: Specifies the policy’s response to claims.

  • Waiver of Subrogation Endorsements: Protects the insured from being liable for any claims that would normally involve subrogation.

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?: Yes, Progressive offers a portal and mobile app where insureds can manage their policies, make payments, check billing, and update information.

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?: No specific exclusions were noted

*Loss Runs:

• How to obtain loss runs?: Request via Email: PGRH_AgencyServices@email.progressive.com or call in.

*Risk Management Services:

• What are the risk management services offered by the carrier?

  • Snapshot ProView: A voluntary UBI (Usage-Based Insurance) and fleet management program for small business owners with commercial vehicles.

    • Key Features:

      • Instant savings: 5% discount upon enrollment.

      • Fleet Dashboard: For businesses with 3+ vehicles to track and manage operations.

      • Safety Insights: Monthly personalized safety scorecards.

    • Eligibility: Available to all commercial auto policyholders, excluding those using Electronic Logging Devices (ELDs).

  • Smart Haul: A UBI program tailored for truckers using ELDs.

    • Key Features:

      • Immediate discount: At least 5% upon enrollment.

      • Additional savings: Up to 12% for customers with a solid safety record.

      • Automatic Premium Adjustments: Based on driving data.

    • Eligibility: For commercial truckers with a USDOT number and active ELD.

*Rewards Program

• Does the carrier offer rewards?: Yes, Progressive sends an email with directions on how insureds can enroll in their rewards program.

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.

  • Roadside Assistance: 24/7 roadside assistance including towing, battery jump-starts, flat tire changes, and lock-out assistance.

  • Mobile App & Online Policy Management: Policyholders can use the Progressive app to manage their policies, file claims, make payments, and access digital ID cards.

  • Where to Find Information: Underwriting and marketing information for these services can be found in the "Products" section on Progressive’s official website

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.:  When reviewing quotes with the customer, be sure to highlight all the available Progressive discounts and savings opportunities so they understand the full value.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus: During protection reviews with existing Progressive customers, make it a point to review any current discounts and identify new ways they can save on their policy.

*Online Training Videos

• Do they have a section for online training courses or how tos?: Yes, Progressive offers online training courses under the Support section in their Knowledge on Demand portal. Scroll down to Yellow Hammer for additional training materials.

*Fun Facts:

Founded in 1918 in Buffalo

Regional Office Model

Assigned Underwriting Team

"We encourage phone calls!"

Agency Relationships Matter

"Commercial Lines Focus

We don’t write everything, but

what we do…we do very well!"

Strong Financials!AM Best “A-” (Excellent)

Ward’s 50

- 4th Consecutive Year

Newsweek’s 2025 Business Survey

- “Top 300 Most Reliable Companies in America” Merchants Insurance #225

• Do they download in our management system?

 All of their policies will download into EZLynx 

• Do we have a service center with them?

No, they do have a very quick customer team over the phone

• What are their business hours?

Mon - Thu 8:AM 4:30PM

Fri 8:00AM to 4:00 PM

Closed during the weekends

*Billing:

• Show how to put someone on EFT.

Use this link to follow the instructions:

EFT Form

• Show how to make a payment.

You can pay over the phone, though their automated payment system; You can also make a payment on the agent portal or speak with a customer service rep and they can take the payment for you. 

• Show how to check billing.

Go to the agent portal, access Billing Inquiry/Payments screen and enter the policy number. You will then be able to view payment history, accounts receivable and payment schedule

*BORs

• How do they handle this (specify for each LOB)? 

Agent of Record Process and Guidelines

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

No, only until the renewal term

• Can we BOR?

Yes

*Policy Changes:

• Show how to make a change on the carrier website or via email.

You can only process policy changes by emailing a request to midlanticoffice@merchantsgroup.com

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

No, all changes must go to an email Queue and they will process endorsements for us

*Underwriting Guidelines:

Login to their Merchants Agent Portal and access the Commercial Lines menu and from the dashboard at the top, select Appetite Guide; You'll be able to find the Binding Authority and General Rules. you can select the state and use the search bar to type the business type and confirm if they are eligible (green), or non-eligible (red), depending the policy type (BOP, CRT, Prop, CL, WC, Auto, Cup). They also have a Yellow selection (It goes to UW for review).

You can hover over the classification selected and view eligibility specs and more details about that classification. 

*Claims:

• You can report, look up and view claims online, through the agent web or call them at 800-952-5246

• They use internal claims adjusters.

*Discounts (Bundle):

• Contractor Account Credits – State Specific

If WC, CAP, or Umbrella bound.

• 4% - 7% Early Shopper Discount

• Discount for policies quoted 8 to 90 days in advance of x-date.

            Diminishes over 3 years.

• Tier Pricing – Rewards the Best Risks!

Individual Risk Characteristics – does NOT use credit score.

• Discretionary Pricing

Add credit/debit on-line; Refer button for Quick Approval

*Underwriting Memos/Recommendations:

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

*Loss Runs:

• How to obtain loss runs?

You can go online, under the web dashboard and scroll to the bottom, you will find the Loss Run Report button available. The online site allows you to inquire about claims. Pull up info from claims within our agency. You can view the adjuster’s contact information, you can pull up notes from the adjusters for review. Claim status, and even move to the policy and billing details from that screen. 

You can report a claim online, insureds can report it online too, they need to go to their online account with Merchants and do that, too.

Or call their service number and file a claim over the phone.

*Rewards Program

-Discounts (Bundle)

Early Shopper Discount: 4-7% discount: start quote 90 days in advance of x-date

Tier pricing: rewards the best risks

Discretionary pricing: Add credit/debit on-line!

MAP Contractors Package:

Get a 7.5% MAP Account Credit if you write any of the following

CA

WC

CUP

*Online Training Videos

• Merchants University

Fun Facts 

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?

  • Yes, The Hartford and its P&C subsidiaries hold a Financial Strength Rating of A+ (Superior)

• Do they download in our management system?

  • Yes, The Hartford does offer download capabilities for agency management systems. Their Download Program automates the updating of policy transactions and commission statements, allowing agents to manage their business more efficiently directly through their system. This includes both transaction downloads and commission statement downloads. 

• Do we have a service center with them?

  • They provide a 24/7 Customer Service Center where you can log in to: view billing, make payments, view policy documents, request COIs, go paperless, download documents, and file claims at https://agency.thehartford.com/forms/home.html.

• What are their business hours?

  • Their digital service is available 24/7 online business.thehartford.com+6thehartford.com+6thehartford.com+6.

  • Phone and live support hours vary by department; customer service is accessible via the online portal anytime and phone customer service for commercial lines at 800-447-7649, M-F: 8 a.m. to 8 p.m. ET. 

*Billing:

• Show how to put someone on EFT.

  • EFT/AutoPay can be set up through the Customer Portal at any time thehartford.com+1thehartford.com+1harfordmutual.com.

• Show how to make a payment.

  • Payments accepted via EFT or credit card 24/7 in the portal thehartford.com.

  • You can also pay by phone or mail—specific details depend on your policy type.

• Show how to check billing.

  • Checking billing and policy balances is also done via the portal.

*BORs

• How do they handle this (specify for each LOB)? 

  • BORs are often issued with renewals or mid-term changes, but The Hartford’s specific policy wasn't publicly detailed on EBC. You may need to verify with the underwriter first.

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

• Can we BOR?

*Policy Changes:

• Show how to make a change on the carrier website or via email.

  • You can make policy changes online via the Customer Portal EBC or through email at agency.service@thehartford.com

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).

  • These are typically found on their EBC portal or through your assigned underwriting contact. https://appetite.thehartford.com/

*Claims:

• Where to file a claim.

  • File claims via the portal or by calling: 1‑800‑327‑3636 (24/7); auto glass only: 1‑877‑687‑1279 thehartford.com+7business.thehartford.com+7harfordmutual.com+7agencychecklists.comthehartford.com.

  • You can also submit auto claims online via EBC, the dedicated portal.

• View claims status.

  • You can view claim status anytime in the portal; contact info for adjusters is provided once claims are in process.

• Get claim contact info.

  • 1‑800‑327‑3636 (24/7); auto glass only: 1‑877‑687‑1279

• Do they use a Third Party Adjuster (TPA)?

  • Yes, https://assets.thehartford.com/image/upload/tpa_services.pdf

*Discounts (Bundle):

• What discounts do they offer?

  • The Hartford typically offers bundled discounts for auto + home, group benefits, etc. Contact your underwriter for details.

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.

  • Yes, all correct and updated at the moment. 

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

  • If insureds don’t complete the required information, your underwriter will issue a memo or an outstanding requirements notification.

  • Your action is to gather the needed documentation; failure to do so could delay issuance.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

  • The Hartford commonly offers endorsements like:

    • Additional Insured

    • Waiver of Subrogation

    • Primary & Contributory Wording

    • Valuable property endorsements

    • Availability varies by LOB—check with underwriting or review the endorsement schedule.

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

  • Yes https://agency.thehartford.com/forms/home.html

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?

  • No notable universal exclusions published. Each policy will have standard exclusions; for specifics, review your policy forms.

*Loss Runs:

• How to obtain loss runs?

  • Loss runs are available via the Customer Portal or by request through email agency.service@thehartford.com.

*Risk Management Services:

• What are the risk management services offered by the carrier?

  • They provide risk management resources through agent portals and underwriter support, including premium audits and industry-specific guidance.

*Rewards Program

• Does the carrier offer rewards? 

  • They offer one broadly; ask your Underwriter if any carrier-level incentives exist for your program.

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

  • Risk Engineering and Loss Control: The Hartford provides a risk engineering team and loss control strategies to help businesses minimize potential risks and losses. 

  • Specialized Coverage Options: The Hartford offers tailored coverage for specific industries like logistics (Carrier Logistics Choice) and warehousing (Warehouse Legal Liability Choice), addressing unique risks and exposures. 

  • Global Insights Center: This center provides macroeconomic, industry, and geopolitical research to brokers and their clients, helping them navigate global opportunities and risks. 

  • IoT Solutions: The Hartford utilizes IoT technology to help customers predict, prevent, and mitigate risks by leveraging data from connected devices and actionable risk management solutions. 

  • Dedicated Underwriting Teams: The Hartford provides specialized underwriting teams for complex risks, ensuring each broker receives tailored service. 

  • 24/7 Support and Claims Service: The Hartford offers round-the-clock support and industry-leading claims service to assist clients when they need it most. 

• Locate and record where to find underwriting and marketing information for these services.

  • EBC https://agency.thehartford.com/forms/home.html

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus 

  • When to Incorporate The Hartford:

    • 3-6 Months Before Renewal:
      Begin evaluating the current plan and exploring potential options. This is when you should consider The Hartford as a potential carrier.

    • 2-3 Months Before Renewal:
      Request quotes and proposals from The Hartford and other carriers. Compare plan designs, pricing, and coverage details.

    • 1-2 Months Before Renewal:
      Review renewal proposals with The Hartford's information included. This is when you assess the overall value and make a decision.

    • During Enrollment:
      Utilize The Hartford's educational materials and communication tools (like Toolkit Plus) to educate employees about their benefits options and encourage engagement. 

  • Where to Incorporate The Hartford's Information:

    • Plan Evaluation:
      Compare The Hartford's plan design, including coverage options, network, and cost-sharing (deductibles, copays, etc.) with your current plan and other options. 

    • Pricing Analysis:
      Analyze The Hartford's pricing structure, including premiums, administrative fees, and potential for future cost increases. Compare this to other carriers. 

    • Employee Communication:
      Use The Hartford's resources (like Toolkit Plus) to educate employees about the benefits of their plans, how to use them effectively, and how to make informed decisions. 

    • Renewal Meetings:
      Discuss The Hartford's offerings and rationale for choosing them during renewal meetings with employees or their representatives. 

    • Ongoing Support:
      Leverage The Hartford's ongoing support and resources for plan administration, claims management, and employee support. 

  • Educational Talking Points & Resources:

    • Toolkit Plus:
      The Hartford's Toolkit Plus is a resource for employee communication and engagement. Use it to:

      • Explain Benefit Changes: Communicate any changes to the plan, including new coverage options, cost-sharing, or network changes. 

      • Promote Plan Awareness: Educate employees about the value of their benefits and how to access them. 

      • Encourage Engagement: Motivate employees to use their benefits effectively and participate in wellness programs.

*Online Training Videos

• Do they have a section for online training courses or how tos?

  • The Hartford typically offers training videos and “how-to” content via EBC. https://agency.thehartford.com/resources/guides-training

Fun Facts 

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?: A+ Rated

• Do they download in our management system?: Yes, they do.

• Do we have a service center with them?: Yes, Service Center, Phone#1.888.661.3938, email: service.center@travelers.com

• What are their business hours?: Representatives available M-F 8am-8pm EST. Leave a message in the team mailbox after hours.

*Billing:

• Show how to put someone on EFT.

  • Policyholders can visit travelers.com to access ExpressPay or register for MyTravelers® to enroll and make payments, set up automatic payments, review billing history and elect to receive billing notifications via email: MyTravelers®ForBusinessCustomerFlyer.

  • There is a video and a flyer online on how to enroll on EFT online:

    • Flyer

    • Video

• Show how to make a payment.

  • Agency Bill payments cannot be made online. Please continue to make payments via check, EFT or wire transfers. Also, be sure to include a copy of your Premium Statement with your payment.

  • Direct Bill payments can be made over the phone, online or mailed. Here is the PDF guide

• Show how to check billing: Please check this link

*BORs

• How do they handle this (specify for each LOB)?: We need to send an email request prior to the renewal to Travelersselect@travelers.com.

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?: Or do they cancel/rewrite midterm? Midterm not paid commission servicing day or before renewal effective date. 5business days to process

• Can we BOR?: Yes, prior the renewal or midterm.

*Policy Changes:

• Show how to make a change on the carrier website or via email.

  • Online only for BOP and CA - for other LOBs we need to send the request to travelersSelect@travelers.com. 

  • Online > Business Insurance > Quote&Issue > Endorsement 

    • BOP (Master PAC and BOP 2.0) & Commercial Auto - Endorsements can be entered/processed online in the Small Business Travis rate/quote/issue system

    • Workers Compensation & Umbrella - Endorsement requests should be sent to TravelersSelect@travelers.com

    • Service Center Endorsement Requests - All requests should be sent to the following email address: service.center@travelers.com

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants):

  • BOP (Master PacSM  and BOP 2.0) & Commercial Auto – Endorsements can be entered/processed online in the Small Business TravisSM rate/quote/issue system

  • Endorsement processing for BOP - Endorsement processing for Auto

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).: An online manual library for Travelers Small Business Underwriting Guidelines.

*Claims:

• Where to file a claim.: You can report claim online as well on Mytravelers/app

• View claims status.: Must have Access to claims viewing

• Get claim contact info.: Claim & Risk Control - 1.800.238.6225 (available 24/7)

• Do they use a Third Party Adjuster (TPA)?: No, third party / in house. 

*Discounts (Bundle):

• What discounts do they offer?: Using BOP 2.0 Multiline discounts payment options and insurance scoring. 15 days before the effective date discount.

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.: All their contact information can be found online and it matches the information in our directory

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.: There is an Appetite guideline PDF online that Helen recommends to use for these cases.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers: That would depend on the specific class of business. For class question mark in quoting system. Find more info in eLearning> Prices

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?: They do, and an Application too.

  • Resources: Guide to Direct Bill.pdf (online)

  • Phone Payments: 877-307-4202

  • Payments can be made via the automated phone system 24/7

  • Direct Bill Customer Service: 800-252-2268

  • Monday - Friday 8:00 AM - 8:00 PM ET

  • Online Payments: Policyholders can visit travelers.com to access ExpressPay or register for MyTravelers® to enroll and make payments, set up automatic payments, review billing history and elect to receive billing notifications via email.

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?: They have an online PDF guideline for Coverage A Access Or Disclosure and Electronic Data Exclusions

*Loss Runs:

• How to obtain loss runs?: Log in and access Loss runs reports > https://bi-rmis-lrptui.travelers.com/ > Enter policy# and we will see the latest 3 years report along with the claim activity.

*Risk Management Services:

• What are the risk management services offered by the carrier?: Risk control is also offered some for additional cost.

*Rewards Program

• Does the carrier offer rewards?: Yes

• How to enroll to their Rewards Program?: We need to request to be enrolled individually. Helen can send it to us.

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.: Go to Business Insurance > Products & Markets > Eligibility Guidelines

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.: When quoting with this carrier, we can explain all of this information in the onboarding process and share videos and PDFs along with their own links.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus: Travelers offers Renewal Compare and educational talking points like Toolkitplus: working 90 days before renewal on demand webinars for more information on endorsements

*Online Training Videos

• Do they have a section for online training courses or how tos?: Yes they do. We need to log in and look for each individual LOB. Also, in Business Insurance > Products & Markets > Small Business Insurance > Training

Fun Facts 

Billing

BORs

Policy Changes

Coastal Guidelines

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

Amendment & Service Training

Certificate of Insurance - Agency Self Service

Utica First Agent Flyer Business Protection Risk

Utica First - Prospect Flyer

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?

• Do they download in our management system?

• Do we have a service center with them?

• What are their business hours?

*Billing:

• Show how to put someone on EFT.

• Show how to make a payment.

• Show how to check billing.

*BORs

• How do they handle this (specify for each LOB)? 

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

• Can we BOR?

*Policy Changes:

• Show how to make a change on the carrier website or via email.

  • Utica First Excess VS Umbrella

    • Utica Excess - just GL LOB

    • Utica Umbrella - Gl & Auto and/ or Umbrella

  • To create an Excess Quote > click the Customer Name of the artisan quote > New Submission

  • To Change Effective Date > Click Quote Name > Details > ART

  • To Issue a policy you have to click Quote Name

  • To specifically list an additional insured you have to click the type you want to add in the quote. Then, go to  quote name > application> additional insured> add new entry  

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).

*Claims:

• Where to file a claim.

• View claims status.

• Get claim contact info.

• Do they use a Third Party Adjuster (TPA)?

*Discounts (Bundle):

• What discounts do they offer?

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?

*Loss Runs:

• How to obtain loss runs?

*Risk Management Services:

• What are the risk management services offered by the carrier?

*Rewards Program

• Does the carrier offer rewards?

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus 

*Online Training Videos

• Do they have a section for online training courses or how tos?

Fun Facts 

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?

• Do they download in our management system?

• Do we have a service center with them?

• What are their business hours?

*Billing:

• Show how to put someone on EFT.

• Show how to make a payment.

• Show how to check billing.

*BORs

• How do they handle this (specify for each LOB)? 

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

• Can we BOR?

*Policy Changes:

• Show how to make a change on the carrier website or via email.

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).

*Claims:

• Where to file a claim.

• View claims status.

• Get claim contact info.

• Do they use a Third Party Adjuster (TPA)?

*Discounts (Bundle):

• What discounts do they offer?

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?

*Loss Runs:

• How to obtain loss runs?

*Risk Management Services:

• What are the risk management services offered by the carrier?

*Rewards Program

• Does the carrier offer rewards?

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus 

*Online Training Videos

• Do they have a section for online training courses or how tos?

Fun Facts  Founded in 1982 located in DT Massachusetts 

CA: only in CT,MA,NJ

Billing

BORs

Policy Changes

Underwriting Guidelines

Claims

Discounts (Bundle)

Contact info in directory

Underwriting Memos/Recommendations 

Coverage Perks

Policyholder Login/Onboarding Experience

Exclusions

Loss Runs

Risk Management Services

Rewards Program

Value Added Services

New Business/Renewal Process Integration

Online Training Videos

GENERAL FRAMEWORK

*Fun Facts:

• Are they AM Best rated?

• Do they download in our management system?

• Do we have a service center with them?

• What are their business hours?

*Billing:

• Show how to put someone on EFT.

• Show how to make a payment.

• Show how to check billing.

*BORs

• How do they handle this (specify for each LOB)? 

• Do we need to wait for the renewal? Or do they cancel/rewrite midterm?

• Can we BOR?

*Policy Changes:

• Show how to make a change on the carrier website or via email.

• When doing policy changes do we have binding authority? (specifically auto do we have ability to issue coverage think Plymouth Rock or Merchants)

*Underwriting Guidelines:

• Show where to get guidelines and upload them to our Notebook (note where to find LOBs).

*Claims:

• Where to file a claim.

• View claims status.

• Get claim contact info.

• Do they use a Third Party Adjuster (TPA)?

*Discounts (Bundle):

• What discounts do they offer?

*Contact Information in Directory:

• Verify the accuracy of billing, claims, and policy change contact information in our directory.

*Underwriting Memos/Recommendations:

• What to do if they did not complete snapshot or upload docs on national general, or other similiar issues.

*Coverage Perks:

• What are the additional insured, waiver of subrogation, primary and contributory endorsements or valuable endorsements the carrier offers

*Policyholder Login/Onboarding Experience:

• Do they have a portal where clients can log in for payments, changes, etc.?

*Exclusions:

• Are there any notable exclusions (e.g., water damage exclusion for Hyundai, limitations on water claims for Steadily)?

*Loss Runs:

• How to obtain loss runs?

*Risk Management Services:

• What are the risk management services offered by the carrier?

*Rewards Program

• Does the carrier offer rewards?

• How to enroll to their Rewards Program?

*Value Added Services:

• Identify and document the carrier's value-added services.

• Locate and record where to find underwriting and marketing information for these services.

*New Business/Renewal Process Integration

• Explain when and where to incorporate this carrier's information into our new business process.

• Explain when and where to incorporate this carrier's information into our renewal process. Travelers offers Renewal Compare and educational talking points like Toolkitplus 

*Online Training Videos

• Do they have a section for online training courses or how tos?