Quarterly Training

BOP/Commercial Package/Property/GL How coinsurance works- Imagine you're renting a house with a couple of friends. Each of you is responsible for covering a portion of the rent and any damage costs that might occur. A co-insurance clause in property insurance is kinda similar.

Let's say you insure your belongings in your apartment for $10,000, but your insurance policy has a co-insurance clause of 80%. This means your insurance company expects you to insure your belongings for at least 80% of their total value to get full coverage.

So, if you only insured them for $8,000 (which is less than 80% of their total value), and you suffer a loss, like a fire damages your stuff, the insurance company won't cover the full cost of replacing your belongings. Instead, they'd only pay for a portion of the loss based on the ratio of what you insured ($8,000) to what you should have insured ($10,000).

It's like everyone pitching in their fair share of the rent. If you don't cover enough of your belongings with insurance, the insurance company won't cover the full cost of replacing them if something bad happens

Protective Safeguard Clause

Commercial AutoCommercial AutoCA LOB NJ state increase- Assembly Bill 4292 increases the minimum amount of liability coverage for commercial motor vehicles as follows:

$1,500,000 for a gross vehicle weight (GVW) of 26,001 lbs. or higher, exclusive of interest and costs, due to injury or death of one or more persons in any one accident or for damage to property in any one accident.
$300,000 for a GVW between 10,0001 lbs. - 26,000 lbs., exclusive of interest and costs, due to injury or death of one or more persons in any one accident or for damage to property in any one accident.

Agency Bill- How this works with NB, Renewals and endorsements (USE WHAT PERSONAL HAS)

CLTraining:

Selective-
Utica First
Liberty Mutual Assigned Risk
Travelers Assigned risk
Hartford
Progressive (Auto and BOP)
Farmers of Salem
Berkeley Aspire

Account quoter Selective and Utica

Trucking

Miscellaneous

What is a federal filing?

What is an out of service?

Truck Training

TIP

Progressive

JM Wilson

Finance co- Yaldi

Carrier Training Progressive on Demand class for everyone

Account quotes

Progressive

TIP National

Personal- we have agency bill and escrow

Trucking- need content

Commercial- need content

Technician

Technicians (team lead pick carriers) Carriers Liberty Mutual assigned risk and Travelers assigned risk ONLINE PORTALS

Carrier Training Pick 2 carriers and master it.

Do they have a service center? Or can we do it online or do we have to send an email?
Or do we have to call if there is more than one way which one is the best one, which one will take me less time to complete the change
Billing, how do they handle this? Give us a breakdown on how to read the billing screen.
- How is billing handled? How do we set up automatic payments? Do they take CC’s and charge a fee?
Do they download into the management system?
Can we make changes online? Do we need to email it in? Typical turnaround time
Claims
Is underwriting information correct?
Is the contact information correct in the directory?
Present it to the team on a meeting

Account Quoter

Account Quoter (team lead pick carriers)

Carrier Training Pick 2 carriers and master it.

Share the discounts and nuances of the carrier
Any new carriers you mastered?
Upload documentation in your department for appetite and eligibility
For E&S carriers are you following the manual process and providing proper documentation and information to underwriters (share examples)
Present it to the team on a meeting and make sure you have the quoting process handy to share

Ezlynx

Go to your account in Ezlynx and Prompt EVA Account Summary Assistant Beta. Give it a rating of the summary you found with comments. Use this to save time whenever you go to the applicants page, this is extremely useful for incoming phone calls and working on renewals.

Go ahead and renew your certificate of insurance in your account in Ezlynx by following this Certificate Master Renewal Beta This saves you time by not having to generate a brand new certificate every time you renew.

In your account in Ezlynx go ahead and setup a general liability and auto policy (make sure to use $1.00 in premium, the same policy number and effective/expiration date and StreetSmart is master company). Once it is setup then turn it into a package polic Create Package Support for Existing Packages Export Documents for Create Package BETA : EZLynx (packages do not work for BOP liability/BOP property)

Enter a change request (you will see when you get to the end that you can generate acords from change request Manual Change

Request Update

Add a Labels left message for insured CSR You will see the email is from the CSR and not the producer. Expect more of our automation to be updated to reflect this. Use this when contacting the insured (as long as you are not the producer) Personalized Email Campaigns This will help the client know who to contact back especially on renewals and service calls

Client Center Client Center Customer Feedback Updates : EZLynx This is an update if you ever want to know what the client is doing in the Client center just click the system log as it will log more transactions.

Quoting let's go over the commercial quoting process for q2 on where to go Commercial Lines Quoting Process

Agency bill checklists

Dispute! Process Flows - Accounting Billing and Payments 💲💳

Carrier Training AMs

Sign up for CE Classes here: 2024AgencyProgramsCatalog.pdf check out transportation (for trucking) For commercial check out everything

Progressive Knowledge on Demand for trucking

Training Plan Completed

Training Pipeline

Complete

When we complete all of the training and everyone is settled into new roles we want to celebrate!!

Ideas on incentive?

Personal

Online Training Module

Complete Kelly Class on LOBS How to Explain & Sell Top Coverages Pack Online Available until How to Explain & Sell Top Coverages Pack Online

Personal is personal

Both also take group life and health to become well rounded

We can offer life, health, and medicare with our vendors that you can earn extra money!

Do 1 video a day and pace yourself. Tell us what you learned!

Miscellaneous

How Escrow works- Quiz Insurance Tips make mention of this scenario, Carrier pays homeowners and then the client goes to a different homeowners insurance company. The carrier with
Agency Bill- Quiz Insurance Tips
Running a replacement cost estimator (run one on yourself located at 208 South Street Freehold NJ or your home address and upload it to your account) Insurance Tips
Measure distance between 208 South Street and 190 South Street Put this response in the notes Insurance Tips
Technology We use Loom to troubleshoot and explain complex issues. You can share with your team, Ezlynx, and carriers (make sure to not share sensitive information) This saves a lot of time explaining things.
- Shoot a loom video of yourself going over an issue you are facing (you can make something up) and save to your file. Share with your team lead.
On our website check out our Employee Feedback form. When you see bugs go here. Drop a line there for us!

As you are going through this list add your notes to Ezlynx and assign back to your team lead when done

Technician

Technicians (team lead pick carriers)

Carrier Training Pick 2 carriers and master it.

Do they have a service center? Or can we do it online or do we have to send an email?
Or do we have to call if there is more than one way which one is the best one, which one will take me less time to complete the change
Billing, how do they handle this? Give us a breakdown on how to read the billing screen.
- How is billing handled? How do we set up automatic payments? Do they take CC’s and charge a fee?
Do they download into the management system?
Can we make changes online? Do we need to email it in? Typical turnaround time
Claims
Is underwriting information correct?
Is the contact information correct in the directory?
Does the carrier have live chat
Present it to the team on a meeting

Account Quoter

Account Quoter (team lead pick carriers)

Carrier Training Pick 2 carriers and master it.

Share the discounts and nuances of the carrier
Any new carriers you mastered?
Upload documentation in your department for appetite and eligibility
For E&S carriers are you following the manual process and providing proper documentation and information to underwriters (share examples)
Present it to the team on a meeting and make sure you have the quoting process handy to share

Ezlynx

Quote by Text (QBT) go ahead and delete your phone number (for now) and text in to 732-462-8343 the words QUOTEME and get a quote, use our address 208 South Street Freehold NJ 07728. Pick an existing car. When done, add your phone number back to your account

Personal Lines Rating Enhancements Now, open your personal auto quote/existing application in Ezlynx and add a kid to the application and run a new quote. As you can see the premium increased. Go ahead and split the applicants and run a new quote for the kid on their own policy

Add a LabelsLabelsleft message for insured CSR You will see the email is from the CSR and not the producer. Expect more of our automation to be updated to reflect this. Use this when contacting the insured (as long as you are not the producer) Personalized Email Campaigns This will help the client know who to contact back especially on renewals and service calls

Run a quote on yourself in the system and send yourself a proposal using this https://ezlynxsupport.freshdesk.com/support/solutions/articles/8000113394-personal-quotes-proposal-beta (use a different window to open this)

Client Center https://ezlynxsupport.freshdesk.com/support/solutions/articles/8000115955-client-center-customer-feedback-updates

Enter a change request (you will see when you get to the end that you can generate acords from change request Manual Change Request Update

Client Center Client Center Customer Feedback Updates : EZLynx This is an update if you ever want to know what the client is doing in Client center just click the system log as it will log more transactions.

In your account in Ezlynx go ahead and setup an auto policy (you may have an existing one) and a homeowners policy (make sure to use $1.00 in premium, the same policy number and effective/expiration date and StreetSmart is master company). Once it is setup then turn it into a package policy Create Package Support for Existing Packages Export Documents for Create Package BETA : EZLynx (National General downloads policies as packages)

Carrier Training

CE Classes 2024AgencyProgramsCatalog.pdf to learn more about builders' risk.

Carrier website training?

Flood https://agents.floodsmart.gov/agent-training

Training Plan Completed

Training Pipeline

Complete

When we complete all of the training and everyone is settled into new roles we want to celebrate!!

Ideas on incentive?

Accounting

Ezlynx Training above Quickbooks online (Maris)

Basic Financial Analysis (Maris)

Commission Statements Ezlynx Learn and run 1 commission statement a month

Operations

For Paul Christian https://agency-performance-pack.teachable.com/courses/enrolled/2437156

Ezlynx training above

Ezlynx Reports learn with webinars from Ezlynx and convert all reports over (make sure we are not missing anything and work with Louis SS Checklist Reports) https://ezlynxsupport.freshdesk.com/support/solutions/articles/8000112409-dashboard-customization-for-reports-5-0-beta

Learn automation center and make some automations yourself and show us what you did and how it works

Ez Process Management

Q3 Training

Training for all departments

See Framework above here to get a breakdown Education

FrameWork

Q4 Training

Complete Classes for your line of business TotalCSR Report

New Ezlynx Content

Training Plan Completed

Training Pipeline

Complete

When we complete all of the training and everyone is settled into new roles we want to celebrate!!

Ideas on incentive?

Email to Follow up

Dear team,

I hope this email finds you well.

I'm writing to remind you that we need to complete our educational initiatives by the end of the 1st quarter. If this is not done, it will affect bonus payouts and/or commission.

Complete all Google Classroom Q2 Training, sign up for CE classes and carrier training.

The educational initiative is to ensure we are all in sync when it comes to processes, technology, and where the agency is going. It is self-paced, but if you would like to go over a specific course or have any questions, please contact Carlo.

I know you're all busy, but I appreciate your cooperation in completing these initiatives. It's important that we're all on the same page so we can continue to provide our clients with the best possible service.

Thank you,

[Your Name]

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