InsureCert Administration Guide

The Digital Insurance Platform

Welcome

Welcome to the only full-stack insurance platform that offers fully embedded insurance solutions for your customers. With a simplified user interface and a full-featured policy administration dashboard, we have built a better front-end for insurance. We focus on creating technology and tools to give carriers, MGAs and brokers a seamless digital experience. Manage risk with less stress.

This section provides a comprehensive guide to setting up and administering your online programs and building the future of insurance.

Basic Setup

Program Name: Pick a name that identifies the product. The name is used in invitations and reports and can be placed into policy Dec pages or wordings using the merge field: {{ policy.program.display_name }}

Subdomain: Set the subdomain to locate your program on the insurecert.com system. eg:   setting the subdomain to 'cyber-office' will make the program available at cyber-office.insurecert.com

Force broker url (checkbox):  If your program requires a broker, force uses to only select full paths to the broker. eg:  cyber-office.insurecert.com/myagency. Forcing users to include a broker prevents end-runs to the base subdomain. cyber-office.insurecert.com <- will not work.

Redirect users to: if force broker URL is on, and the broker is removed, add a full path to a landing webpage; eg; https://myagency.com/select-a-broker

Insurer: This allows you to dynamically include the carrier name for placement into policy Dec pages using the merge field:  {{ policy.program.insurer }}

Toggle switches

Active: Turn on to accept credit card payments, if unchecked, you can place test orders using the test credit card# 4242 4242 4242 4242 ex: any future date, cvc: 123, and use any valid zipcode

Expiry Notices: Turn on to activate expiry notices

Annual Policies:  When using the Date Step, select this option to only show one calendar since the policy automatically is set to expire in one year.

Allow Dashboard Certificates:  Activates client accessible dashboard for policy downloads and creation of certificates.

Certificate Prefix: Sets letters ahead of the policy number serializer. eg: CYB00123 where "CYB" is the certificate prefix.

Master Policy Number: A master policy number may be used in Dec pages / wordings using the merge field:  {{ policy.program.master_policy_number }}

Policy Initial: If set, all completed certificates will be assigned a sequential policy number starting with the given number +1. All existing policies will be renumbered when this is set

Location Path: If set, this will be used as the base path for location-specific policy URLs. The location names are slugified for use in these URLs. For example, if this contains 'location', and there is a location named 'My Location', the /location/my-location' will present a policy page with that location pre-filled. Note that this will override any location templates that may be present.

Max Policy Duration: Policies can be no longer than the given length in daysPolicies can be no longer than the given length in days.

Max Future Days: Policies can not start longer than the given length in days. eg: '45' would limit the date selection to within today + 45 days

Policy Initial Max Digits: Amount of zeroes to pad the policy certificate number.

Shared policy number: If running multiple joined programs, you can share the policy serializer.

Allow immediate binding: Allow immediate binding of policies without requiring program owner approval. Only applicable for agency-billed programs.

Universal Expiry Date: If set, all newly created policies will use this as their expiry date.

Always calculate price: If set, policies will always attempt to calculate the price whether all questions were answered or not.

Allow day of binding: If active, users can buy a policy with an effective date the same day as the purchase date.

Require esignature: If set, program checkout will require an esignature

Allow monthly payments:  If set, program checkout will allow monthly payments

Question Step Configuration

Show questions as list: If set, the question step will display all questions as a single list for the user to go through instead of one at a time.

Auto advance question groups: If true, program group questions will autoadvance after the last question is answered

Show question groups in progress: If set, program group questions will show up in the progress bar as steps

Override default question steps: If set, the question step(s) will be set into manual mode, so you will manually need to add a Questions,Summary and Checkout step to your program

Require address on checkout: If set, program checkout will require address information

Questions configuration override: used to inject java code for animation

Email Settings

Send client emails: If activated, copies of policies and invoice receipts are sent directly to the client email entered during checkout.

Support Email: Email address that contact form submissions under this domain are sent. eg: info@yourdomain.com

Email Name: Name to appear as the 'from' in program related emails.

Certificate Email: Email address that all certificates for program will be sent to, eg: certificates@yourdomain.com

Renewal Email: Email address that all renewal messages will be sent to, eg: renewals@yourdomain.com. If blank, renewal messages will only be sent to the policy holder.

Image Email: Include your brand's logo on all emails. 320px-width x 80px-height

Email Hex Color: If you are using the default InsureCert template and wish to change the color theme, include your brands hex color without # eg:   455b7c

Pending order support@ email subject: Change the email subject when sending pending order alerts to underwriters

Pending order support@ email html: Upload your full HTML template including {{ merge fields }} 

Pending order billto@ email subject: Change the email subject when sending pending order alerts to brokers or clients

Pending order billto@ email html: Upload your full HTML template including {{ merge fields }} 

Renewal email billto@ email subject: Change the email subject when sending renewal notices to brokers or clients

Renewal email billto@ email html: Upload your full HTML template including {{ merge fields }} 

Cancel email billto@ email subject: Change the email subject when sending cancel notices to brokers or clients

Cancel email billto@ email html: Upload your full HTML template including {{ merge fields }} 

Payment needed email billto@ email subject: Change the email subject when sending payment needed notices to brokers or clients

Payment needed email billto@ email html: Upload your full HTML template including {{ merge fields }} 

Broker invite email subject: Change the email subject when sending invite notices to brokers when joining your program

Broker invite email html: Upload your full HTML template including {{ merge fields }} 

Billing & Commission

The following schemas are currently supported.:

  • Owner collects all: Program owner collects the premium, service fees, and taxes.
  • Owner collects service fees: Program owner collects premiums less commission, all service fees. Broker collects taxes.
  • Broker collects service fees: Program owner collects premiums less commission. Broker collects service fees and taxes.

Countries: Available countries to populate the drop down on the front end. Hold down "Control", or "Command" on a Mac, to select more than one.

Regions: Available states to populate the drop down on the front end. Hold down "Control", or "Command" on a Mac, to select more than one.

Billing Method:

  • Agency Bill
  • Stripe (credit cards)

Which billing method to use. Default is Stripe. To accept credit cards, you must first connect to Stripe via your dashboard "Billing" section.

Payment Schema:

  • Owner collects all
  • Owner collects service fees
  • Broker collects service fees
  • Create Stripe subscription based on premium.

This option is set by InsureCert and determines how payments are distributed between the program owner, brokers, and InsureCert.

Payment gateways:

  • Stripe
  • Authorize net

Currency: CAD / USD -- Currency used for charges for premium, commission, and service fees.

Payment Terms: These terms will be displayed at the checkout step of the policy purchase screen.

Pending Terms: These terms will be displayed at the checkout step of the policy purchase screen if a price cannot be determined.

Commission: Percentage of policy fee added by broker in percent, eg: '5', '4.25'

Flat Commission: Flat amount of policy fee added by broker

Service Fee (%): Percentage of policy fee added by InsureCert in percent, eg: '5', '4.25'

Service Fee (flat): Flat fee for policy added by InsureCert. eg: '50' for $50. If set, this will override Service Fee %.

Service Fee Terms: These terms will be displayed at the summary step of the policy purchase screen.

Tax Premiums: Credit Card Statement Description:

Program Terms: These terms will be displayed at the summary step of the policy. These terms the user has to agree to inorder to finish the purchase.

Policy Steps

Policy Steps

Policy Steps provide API access or Graphical Questions like calendars to be presented as "Steps". Steps are automatically added to the Progress Bar along the top of the page. The progress bar shows the step you are adding by itself.

Questions

Questions

At the heart of every insurance transaction is the uptake or application form. You build your form using the Questions section. There are multiple question types you can pick from and using our drag and drop interface, easily arrange the sequence of questions.

Add a question

Price Rules

Price Rules

Price rules require a question match to trigger the price. If you set the possible answers as Rate Classes, you can define price rules by matching the rate class and setting the price.

Value Rules

Value Rules

Value rules are useful to extract the text answers from a question. Since Price Rules are based on numbers, value rules let pieces of text, like the text answer to a question to appear on PDF documents.

Static Fields

Static Fields

If you need a piece of text or a number to always appear on every policy, use Static Values. These values are always available by defining the name of the value and the content.

Locations

Adding Locations

A location can be used for buildings, venues or affiliate partners. Locations can be given their own unique URL. Adding locations is easy with InsureCert. First, create a Location Type in the main sidebar menu. Then click "Add New Location" and start filling out the details. Locations can include logos, price rules and even questions specific to this location.

Wordings

Upload wordings

You can upload static PDF documents so agents can download prior to binding.

Expiry Reminders

Expiry Reminders

To send expiry reminder to agents and clients, add the days interval you would like to send emails. If you add an expiry reminder set to "60" then an email will be sent 60 days prior to expiry. If you include some extra tags in your email templates, you can change the message.

CNAMES

CNAMES

It is possible to publish programs on your domain. The first step is to use Cloudflare.com and create an A record. Point your A record to the server address shown and then create a corresponding CNAME for your program.

Cloudflare:   Holds an A record to the subdomain you wish (https://contractors.mydomain.com) pointing to 192.243.215.54

InsureCert:  Create a matching CNAME (https://contractors.mydomain.com) 

The 'contractors' subdomain is added to Cloudflare pointing to InsureCert.

Webpages

Webpages

InsureCert features full webpage editing. Pages can utilize the menu modal pop-up format for the following pages;

features.html:  Content inside this webpage title will appear as a modal pop-up from the main front-end navbar

changes:  This form can be useful for endorsements or programs that have frequent change requests.

claims:  Content inside this webpage title will appear as a modal pop-up from the main front-end navbar

contact: Content inside this webpage title will appear as a modal pop-up from the main front-end navbar

Program Language Terms

Languages

The program language terms attempts to list every default text used in the system and gives you the opportunity to swap out with new text or a different language. Simply navigate to the Program Language Terms sidebar and search for the term you are wishing to replace. Double click the entry to replace the text.

Premium Overrides

Premium Overrides

Add a premium override to enable real-time price rule adjustments via the underwriter dashboard. Each entry will allow you to connect the outputs to the field for editing.

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