It’s a mantra for many insurance agents: keep loss ratios low. however that doesn’t mean you ought to discourage your customers from filing a claim once required. It’s conjointly a goal which will be in your customer’s best interests.
You can influence once and the way usually claims area unit filed. Here area unit four ways in which to own AN impact:
Communicate frequently
You’re the knowledgeable on insurance claims. If you'll facilitate stop negative events, it’s a win-win for you and your customers.
For example, scores of individuals take vacations throughout the winter months. If you reside in a very cold climate and see that subzero temperatures area unit on the manner, you'll channelise a brief email to your shoppers reminding them to stay cupboard doors open below sinks to assist stop frozen pipes whereas they're away.
Whether your communications take the shape of AN as-needed email or a scheduled write up, staying connected conjointly sends the message that you just care regarding your shoppers. simply make certain that your message is evident and your writing is clean. If that’s not in your pilothouse, rent it bent somebody United Nations agency will have a go at it for you.
Explain however Life Changes have an effect on Insurance
Staying connected together with your customers helps you retain track of changes in their lives.
Some changes is also obvious. If you recognize a shopper features a kid United Nations agency is fifteen, it’s a decent bet that they'll shortly have a teenager driver within the home. Reach bent let that family comprehend obtainable discounts for defensive-driving courses and smart grades. fire a gathering with the fogeys and also the young to clarify the impact AN accident will wear insurance rates. the fogeys can doubtless appreciate having another voice in their corner encouraging safe driving.
Other changes might need some creating by removal. you would possibly {consider|think regarding|contemplate|take into account} a semi-regular email to your customers asking about major life events therefore you recognize if somebody features a new baby within the home or a brand new job that needs scores of driving. Then you'll tailor your tips consequently.
Discourage little Claims
A $1,200 home repair is nothing to sneeze at. however if a client features a $1,000 deductible, they’re solely attending to collect $200. Is it value it?
Help your client verify whether or not or not they ought to file a claim. There area unit times once it'll completely add up for them to try and do therefore, and therein case, your job are to assist them through the method. however there area unit cases once the trouble ANd doubtless higher future premiums create it an unwise call. Your insight may be valuable to your shopper as they assume through their scenario.
Encourage Higher Deductibles
The other aspect of the coin is to generally encourage higher deductibles.
For you, the next deductible means that fewer claims filed. For your shoppers United Nations agency will afford to get modest claims out of pocket, this strategy will economize within the long-term as a result of they'll lower their monthly premiums, generally considerably. you'll facilitate them do the mathematics to see the just-right deductible.
This is the primary of 3 diary posts regarding the way to be a proactive agent. seek for a lot of concepts within the coming back weeks.