Discover Features Built By Underwriters for Underwriters

Quoting Overview

InsureCert provides a 360° view of insurance, seamlessly integrating underwriting, marketing, payments, and renewals through secure, custom portals & apps.

The web-based app uses code-less middleware, enabling rapid deployment of user-friendly programs that enable application functionality and critical functions unique to insurance.

Three key stakeholders are using our application.  

• Administrators (the owner of the platform)
• Customers  (the policy holder) 
• Agent/Brokers (agent selling the policy)
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Quoting Basics

InsureCert client success agents will work with your team to develop a cohesive solution that follows your rules and program parameters to ensure smooth operations. With any policy, it starts with an application form. The form answers are turned into rate classes that can be used in the main price rules engine. The price rule engine can be configured to match any Excel sheet including pivot tables. Pivot tables can be imported into a question as a dataset, ensuring ease of use by any non-technical person.

Step 1:  Create application form:

• Drag & Drop Interface
• Apply Display Rules
• Apply Validations Rules
• Show questions as a list (vs. one at a time) 
• Auto-advance next question (instead of requiring button click) 
• Show question group titles in progress bar
• Override default question steps
• Questions Styles & Icons  (add custom java animations, icons, help text) 

Step 2:  Create price rules:

• Upload your excel sheets with price rules
• Add your pending and kick-out rules

Step 3: Create PDF output pages

• Upload Google Docs and convert them into dynamic PDFs.

Quoting Advanced

InsureCert’s underwriting process revolves around comprehensive data collection through electronic submissions using our proprietary platform. It aims to enhance the customer experience by providing guidance on purchase options and expediting the policy process. The aim is to leverage data effectively, developing sophisticated applications for precise insurance underwriting, including tapping into external API data sources.

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Central to InsureCert’s platform is our Patent Pending CORE (client-optimized risk engine), an advanced underwriting engine that will play a pivotal role in shaping quoting and retention strategies. CORE can quickly sift through geo-location, social, and financial data layers using AI connected to custom LLMs to pinpoint the most suitable terms tailored to each unique customer profile.

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Payments

Payments for InsureCert are designed to be seamless, secure, and efficient. The platform integrates online payment processing, allowing clients to pay premiums easily using credit cards or other electronic methods. Payments are processed in real-time, ensuring no delays, and brokers have instant access to payment statuses, improving cash flow management. The system also tracks all transactions for easy reporting and compliance, reducing administrative burdens. With InsureCert, payment collection is simplified, enabling faster policy issuance and renewals, while ensuring a smooth and hassle-free experience for both brokers and clients.

Stripe

InsureCert leverages the power of Stripe payments to offer a seamless, secure, and flexible payment experience for its users. By integrating with Stripe, InsureCert enables brokers and MGAs to accept payments online quickly and easily, including credit card and other electronic payment options. Stripe’s trusted platform ensures that transactions are processed securely and in compliance with regulatory standards, minimizing risk and reducing the complexities of handling payments.

This integration allows for real-time updates on payment statuses, automated receipts, and simplified financial reporting, all within the InsureCert dashboard. The combination of InsureCert’s robust insurance management features and Stripe’s reliable payment infrastructure delivers a smooth, efficient experience for both brokers and clients, ensuring timely premium collection and streamlined operations.

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• Credit cards
• Debit cards
• Distribute broker commissions
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Premium Financing

The InsureCert Monthly Premium Financing Option in partnership with First Insurance Funding offers a flexible solution for clients who prefer to pay their insurance premiums in installments rather than a lump sum. Here's a breakdown of how it works:

Key Features of Monthly Premium Financing:

1. Partnership with First Insurance Funding: InsureCert collaborates with First Insurance Funding to provide seamless financing options. First Insurance Funding is a well-established leader in premium financing, ensuring reliability and competitive rates.‍
2. Interest Rate and Terms: The interest rates and terms of the financing are determined by First Insurance Funding, and are typically competitive, offering a cost-effective alternative to paying premiums upfront.‍
3. Simple Application Process: Through InsureCert's platform, clients can easily apply for premium financing during the policy purchase or renewal process. The financing option is integrated into the workflow, making it convenient for both brokers and clients.‍

Agency Bill

InsureCert's Agency Bill Option provides brokers with a flexible and efficient way to manage premium collection and payment distribution. With this option, brokers collect premiums directly from clients and then remit the appropriate amounts to carriers or MGAs. This gives brokers greater control over cash flow and payment schedules, while also allowing them to offer their clients more flexible payment terms. InsureCert streamlines the process by automating the tracking of payments, generating invoices, and ensuring that all parties are properly credited. The Agency Bill Option also provides detailed reporting to help brokers stay on top of payments and maintain full transparency with carriers, ensuring a smooth and accountable financial process for all involved.

Tier 1 Live Agent Support

InsureCert offers built-in IT tech support, ensuring that you and your clients always have immediate access to help whenever it's needed.

Our platform includes live agent support, available to resolve any technical issues in real-time, making sure that your transactions are smooth and stress-free.

Whether it’s a question about policy management, billing, or system features, our expert team is on standby to assist, providing peace of mind and maintaining the efficiency of your insurance operations.

With InsureCert, you can focus on what matters most, knowing that your tech support is just a click away.

Policy Management Basics

Policy Management Page: Interface for managing existing policies, including adding/removing properties and adjusting coverages.

• Review application
• Override Premiums
• Endorse Policy
• Cancel Policy
• Refund Premiums (full or pro-rata)
• Send Renewal Notice
• Decline Application

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Policy Management Advanced

InsureCert's Policy Management Advanced Features provide a comprehensive and streamlined solution for managing the entire lifecycle of an insurance policy. Underwriters can easily handle everything from issuing new policies to processing endorsements, cancellations, and renewals, all through a single intuitive platform.

The system offers real-time updates, ensuring that every policy change is immediately reflected and accessible. Users can track policy statuses, view client details, and generate necessary documents like declarations and certificates of insurance on demand. Automated renewal reminders and notifications ensure that no policy lapses, while robust reporting tools provide insights into policy performance and compliance. With InsureCert, policy management becomes more efficient, transparent, and easier to handle, freeing up time to focus on growth and client service.

• RATING ZONES
• Fus Grades
• Zip code territories
• Duration
• Policies (price audit log, validation, answers, API embeds (data)
• Policy Steps (calendars, pre-set locations, landing pages)
• Questions (for presenting in the front end)
• Price Rules (automated prices)
• Value Rules (create text snippets for Policy Pages)
• Static Fields 
• Location Types
• Locations

Policy Management Options

These options are available for underwriters to customize policy handling.

• Policy Initial: (numbers)
• Policy Initial Max Digits:
• Shared policy number:
• Master Policy Number:
• Max Policy Duration:
• Max Future Days:
• Location Path:  (eg:  create URL for property managers)
• Universal Expiry Date:
• Add one day if less than 'x' days (expiry)
• Renewals use the same policy number
• Annual Policies (on forces expiry to +1 year) 
• Allow Broker Endorsements (allows brokers to make their own changes)
• Always calculate price (shows live-price in front-end) 
• Allow immediate binding (brokers can bind)
• Allow day of binding 
• Allow monthly payments (turns on First Insurance API)
• Allow Dashboard Certificates  (allows consumers to create their own certificates)
• Allow promo codes (discount at checkout)
• Enable Sharing Policy URLs (set-cookie)
• Require e-signature on checkout
• Open to main webpage (If set, this program will be route to index.html in webpages by default)

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Policy Dashboard

InsureCert's Policy Dashboard is a comprehensive, user-friendly platform that centralizes all essential tasks for brokers and MGAs. It allows users to manage quotes, policies, endorsements, and renewals in one streamlined interface.

Individual permissions can be set for the following roles:

• Underwriters
• Brokers
• Consumers
• Connected Partners

The dashboard provides real-time data and insights, making it easy to track client activity, monitor payments, and handle policy updates with just a few clicks. With built-in automation for renewals and reminders, brokers can improve efficiency while reducing administrative burdens. Overall, the dashboard empowers brokers to manage their entire portfolio efficiently, providing better service to clients while optimizing their workflow.

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Start Quoting

‍Policy Creation Page: Form for entering property information and selecting coverages to create a new policy.some text

• Opens new applications
• Count joined brokers
• Count pending brokers
• Billing method
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Policies

‍Policy Management Page: Interface for managing existing policies, including adding/removing properties and adjusting coverages.

• Filter by Program
• Filter by Broker
• Filter by Status

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Reports

‍Reporting and Analytics Page: Access to various reports and insights on system activities and performance.

• Create new reports
• Run reports manually by date filter
• Add any data point
• Filter by status
• Filter by date
  • modified
  • effective date
  • renewal date
  • invoice date
  • purchased date
• Schedule Reports for email delivery (send to many using comma separated)
  • daily
  • weekly
  • monthly

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Policy Docs & Certs Overview

InsureCert’s Policy Management Documents and Certificates of Insurance features simplify the handling and distribution of crucial insurance documents. Underwriters can easily generate and store all policy-related documents within the platform, ensuring quick access for both brokers and clients. The system also enables clients to generate Certificates of Insurance instantly, allowing them to send these certificates to stakeholders without delays. This eliminates the need for manual requests, reduces waiting times, and ensures that all policy documents and certificates are accurate, compliant, and easily retrievable at any time. The result is a more efficient and responsive document management process.

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Policy Docs & Certs Functions

Named Values and Value Rules work like mail-merge functions, similar to how MS Word embeds dynamic data into templates. These features allow insurance documents, such as PDF policy documents, to be generated dynamically with personalized information for each client.

Here’s how it works:

1. Named Values represent numerical data points. These values are created through the use of Price Rules that correspond to specific data fields, such as the answer to a question, a policy number, a coverage limit, or calculated premium amounts.
2. Value Rules are the answers to questions in text format. For example, if a policy Declaration page needs to show the Named Insured name, the value can be declared using the default tag {{ policy.named_insured }}.
3. Static Values are text or numerical values that are not dynamic.

When it's time to produce a PDF, the system pulls the relevant data for each Named Value from the database and automatically merges it into the HTML template, similar to how a mail-merge in MS Word works. The completed HTML file, with all the dynamic data in place, is then converted into a polished PDF document. This process allows insurers to create fully customized and accurate policy documents quickly and efficiently, ensuring each document reflects the correct details for every individual policy.

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Policy Docs & Certs:  Certificates

InsureCert’s Consumer-Facing Certificate Generation webpages provide a simple, self-service solution for clients to create and manage their Certificates of Insurance without broker intervention. Here’s how it works:

1. Client Access: Clients can log in to a secure, user-friendly webpage where they can access their insurance policy details. This eliminates the need for them to contact their broker for routine tasks, saving time for both parties.
2. Instant Certificate Creation: From the webpage, clients can generate certificates instantly by inputting the necessary details, such as the certificate holder’s information or specific coverage needs. The system automatically pulls data from the policy to ensure the certificate is accurate and up-to-date.
3. Customization and Flexibility: Clients can customize their certificates based on specific requirements, such as adding additional insureds or modifying the coverage description. These updates are reflected in real time, ensuring stakeholders receive precise and current information.
4. Immediate Delivery: Once the certificate is generated, it can be downloaded, printed, or emailed directly to the necessary parties, such as landlords, contractors, or vendors. This eliminates waiting for a broker to manually create and send the document.

Overall, InsureCert’s Consumer-Facing Certificate Generation pages provide an efficient, hassle-free way for clients to manage their certificates, ensuring quick access to crucial documents while maintaining complete accuracy and compliance.

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Renewals

InsureCert's renewal process is designed to automate and simplify the task of managing policy renewals for brokers, MGAs, and clients. Here’s how it works:

1. Automated Renewal Reminders: The system sends automated email notifications to both brokers and clients well in advance of the policy expiration date. These reminders ensure that clients are aware of upcoming renewals, reducing the risk of missed deadlines or lapsed coverage.
2. Seamless Renewal Management: Brokers can easily review and manage all upcoming renewals from the InsureCert dashboard. The platform provides a clear overview of policies that are due for renewal, allowing brokers to update terms, make necessary changes, and confirm renewal details with clients before the deadline.
3. Client Self-Service Options: Clients also have the option to renew their policies directly through a secure portal, streamlining the process even further. They can review their coverage, make any updates if needed, and pay the renewal premium online, all without requiring broker intervention.
4. Automated Policy Updates: Once a policy is renewed, InsureCert automatically updates the policy information in the system, generates the updated documents, and sends them to both the broker and the client. This ensures a smooth and efficient renewal process without delays or administrative burdens.

InsureCert’s renewal process not only helps brokers maintain high retention rates but also enhances the client experience by providing timely, hassle-free renewals with minimal effort.

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Compliance

InsureCert helps underwriters stay compliant with program parameters by using a robust system of rules and automation that ensures every policy adheres to the specific requirements of the program. Here's how it works:

1. Rules-Based Compliance: InsureCert allows underwriters to set up specific program rules that flag certain answers or conditions within an application. If an applicant provides information that doesn’t meet program guidelines, the system automatically flags it for review. For more serious issues, InsureCert can implement "show stopper" rules that block the applicant from proceeding further in the process until the issue is resolved.
2. Automated Data Lookups: InsureCert performs data lookups during the application process to verify key information, such as risk factors, and automatically suggests pricing adjustments, endorsement recommendations, or exclusions based on program rules. This ensures that policies are correctly priced and structured to meet underwriting standards, without manual intervention.
3. Real-Time Decision Support: The system triggers recommendations for adjustments or specific exclusions based on the details entered by the applicant, helping underwriters stay aligned with program parameters without missing critical details.
4. Extensive Reporting: InsureCert generates detailed reports that can be sent automatically to stakeholders, including program managers and compliance teams, ensuring that every policy issued meets program requirements. These reports provide a comprehensive overview of how each policy aligns with the set rules and parameters, helping to maintain transparency and accountability.

By automating compliance checks, flagging potential issues, and offering data-driven suggestions, InsureCert ensures that underwriters can confidently manage their program business while staying fully compliant with all regulations and parameters.

API Integration Overview

InsureCert leverages APIs to seamlessly integrate with insurance carriers' systems, enabling advanced functionalities such as real-time price quoting, FUS code lookups, and policy notifications. Here’s how InsureCert utilizes these capabilities:

1. Real-Time Price Quotes: By connecting to carrier APIs, InsureCert can instantly pull rates and generate price quotes based on specific client inputs. When an applicant submits their information, the system communicates directly with the carrier's pricing engine via the API to calculate a tailored premium. This ensures that quotes are accurate and up-to-date with the carrier’s latest rates, streamlining the quoting process for brokers and underwriters. It eliminates the need for manual rate lookups, making quoting faster and more efficient.
2. FUS Code Lookups: InsureCert can also integrate with carrier APIs to perform Fire Underwriters Survey (FUS) code lookups. FUS codes are critical for determining fire risk and rating properties, and by leveraging APIs, InsureCert can automatically retrieve the FUS code for a specific location during the application process. This ensures that risk assessment factors are precise and compliant with underwriting guidelines, allowing for more accurate pricing and coverage recommendations.
3. Policy Notifications and Updates: Once a policy is issued, InsureCert uses carrier APIs to push notifications and updates directly to the carrier’s system. This ensures that carriers are immediately notified of new policies, endorsements, or renewals, keeping them in sync with real-time transactions. The API integration allows for the smooth transfer of policy data, reducing administrative overhead and ensuring that both the carrier and broker have up-to-date records of all policy activities.

By integrating carrier APIs, InsureCert enhances its ability to automate and streamline key processes like pricing, risk assessment, and policy management. This not only improves efficiency for brokers and underwriters but also ensures that carriers receive accurate, real-time data, leading to better compliance, faster service, and a more connected insurance ecosystem.

Stripe

Stripe is the payments platform behind millions of businesses. From startups to large enterprises, companies around the world use Stripe’s software and APIs to receive payments, send payouts, and manage their businesses online.

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Briza

Briza's mission is to connect insurance to the world. With the broadest selection of carriers available through a single developer platform, Briza is the only commercial insurance API you'll ever need.

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BOOST

Boost provides insurance infrastructure-as-a-service that packages the necessary compliance, operational, capital, and technological components of an insurance program into a turnkey white-label insurance solution, accessible via a simple API integration
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Opta

Fire Underwriters Survey™ (FUS) is a national organization administered by OPTA Information Intelligence*. FUS provides data on public fire protection for fire insurance statistical work and for underwriting by insurance companies. Subscribers to Fire Underwriters Survey represent approximately 85 percent of the private sector property and casualty insurers in Canada.

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First Insurance Funding

FIRST Insurance Funding (FIRST) is one of the largest premium finance companies in North America. Over more than 30 years, we have built a reputation for providing superior, innovative, and flexible service. We are a true partner to insurance brokers and agents and equip them with customized tools and solutions for their unique goals.

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QR Codes

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QR Codes can be connected to broker or affiliate partners, like a storage unit, or an event space. You can be embed insurance into any client location.

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