Working pending cancellation notices the same way every time
Notices of pending cancellation for nonpayment land in eDocs beside declarations pages and nonrenewal notices, then get filed against the policy with nobody owning them. The exposure has an odd shape here. An agency has no general duty to chase an insured for premium, but chasing some insureds and not others is what gets argued afterwards, so what matters is that every notice is worked identically and each attempt is written down. Premium finance adds a second clock, since the finance company can cancel as attorney in fact.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- EZLynx
- Outlook
- Twilio
When this is the wrong thing to build
Pick something else if the agency has decided not to contact insureds about carrier payment notices at all. That is a defensible position, and running something that contacts a portion of them anyway rebuilds precisely the exposure the decision was taken to remove.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
Something arrives from anywhere. It becomes one record with one owner. Read what this shape is, or start from one of these.
- Turning portal leads into one shape a person can work
- Turning an after hours maintenance call into one work order
- Entering a new client once instead of four times
- Filing client email to the matter instead of the inbox
- Booking a service call without a person typing it
- Sorting a return visit into callback or new work
- Should my agency notify clients of pending cancellation for nonpayment?
- How do I route carrier eDocs cancellation notices to the right person?
- What is the E and O risk in chasing insureds for unpaid premium?
- How do I prove we contacted an insured before the policy cancelled?
- Can a premium finance company cancel a policy without telling the agency?
Back to insurance agencies, or see how this is priced and scoped.