All InsureCert features

In one place. Described in depth.

Account Setup

InsureCert offers three account types:

  • Enterprise account holders can create 'programs' containing configurable online insurance products that can be sold direct to consumer or through a broker.

  • Broker account holders add links to programs and can customize the display of the HTML pages with their agency logo, meta tag keywords, description, and address to help increase local SEO rankings.

  • Agent account holders add links to programs but cannot customize the web pages. When agents are logged into the program domain, they can configure quotes and notify clients their policy is ready to buy.

InsureCert is a complete e-commerce solution that automatically deposits commissions into agent and broker accounts and reports sales to insurers reducing workloads by more than 90%.

Set Your Login Domain


When opening an account, set the primary domain where you will log in and access your dashboard.

home domain e.g.: mycompany.insurecert.io

Customizing

You can customize the dashboard with your company logo and name.

home > Branding

Adding Programs

To add a program and start selling, go to your dashboard and select a carrier's program from the available list.

Once you add a program, visit the product's URL provided. If you are logged in, you can configure the client's risk, enter their name and email. Once you click 'Send to Client' an email will be sent inviting them to review your quote and checkout. You can make changes to the quote at anytime -just have the client reload the link in their browser to see your changes.

home > Programs > Add

Adding Agents

Broker Accounts can add multiple Producers or CSRs. Agents can assist clients in handling online purchases with walk-throughs or by pre-configuring a policy. Broker admins can track producer performance and create custom sales reports.

home > Account Settings > Agents > Add

Adding Brokers

Enterprise Accounts can limit access to program domains by adding a list of brokers. Brokers can assist clients in handling online purchases with walk-throughs or by pre-configuring a policy.

home > Program > Settings > Brokers > Add

Adding Chat

Regardless of your account type, InsureCert provides free tier one chat support for all technical (non-insurance) related queries such as browser, payment, and certificate generation issues. If a client wishes to cancel or makes changes to their policy, discuss wordings, exclusions or claims processing, InsureCert will transfer the chat to the broker of record. If chat is not installed or unavailable, a ticket will be emailed to the broker of record asking them to respond directly to the client.

home > Program Settings > Live Chat

Broker Customizing

Brokers can customize programs by adding their logo, agency name, meta tags, and location. Enterprise account holders have carte blanche design access to HTML web pages, CSS, product information pages, FAQ's, and more.

home > Program > Settings > Branding

Program Management

[Enterprise Accounts]

Programs are used to create product information pages, ratings, questions visibility and answer validation rules, FAQ's and wordings. Programs are assigned a domain so that consumers can access the insurance product, configure their risk and check out. To make a new program, assign it to a Domain, then set your email support preferences, contact, and logo. InsureCert will do the rest.

Program Domain Setup

The 'short name' you pick will be shown in browsers as a subdomain of insurecert.com.

Programs > New > Short Name: myprogram.insurecert.com

To make an InsureCert program appear under your domain:

1. Add the CNAME of your domain to the InsureCert program setup
home > Programs > Open Program > Settings > CNAMES

2. Change the DNS 'A' record of your domain to: 74.85.66.136

Clients will now see the InsureCert program content under your domain providing a white label or 'bespoke' solution.

Program Logo

You can change your default logo for each program by clicking the Logo button via the Domains button in your dashboard.

Program Key Word

Pick a keyword that you wish to focus your SEO by entering a single keyword in the Keyword field found in the Secondary Domain setup page. The Key Word is used for SEO metadata purposes and will help rank your product if you utilize your best strategies. Your focus keyword should be found in:

  1. Secondary domain URL
  2. Program Description
  3. Program Title
  4. Meta Description

Program Description

You can change the default Description for the program by changing the Title field via the Domains button in your dashboard. The Program Description appears in section 1 of the policy purchase page.

Program Title

You can change the default Title for the program by changing the Title field via the Domains button in your dashboard. The Title of the program appears beside the main logo of your secondary domain.

Meta Description

The Program's Meta Description is for SEO metadata and will help rank your product if you utilize your best strategies. The meta description should be limited to 156 char and include your keyword.

Active

Programs registered to a domain can not be deleted if a policy is purchased under registered to a domain and must remain permanently available. You can de-activate a domain to make it unavailable for future purchases, but the original policy URL will always be available to the Named Insured. If you want to remove a Program that contains no policies, you may submit a request

Admin Users

Permissions to edit, view and activate programs are granted to administrators.

Piwik ID

Set the ID for PiwikDomain tracking and statistics reporting. Each of your secondary domains can have its own ID to make reporting available to each individual product you make available.

Suppport Email

Over ride the default support email address for your brokerage. This will help if you have various departments in your brokerage supporting their individual programs.

Certificate Email

Over ride the default email address that copies of all certificates are sent. This will help if you have various departments in your brokerage that would like to receive copies of policies, just for their department, as they are created.

Insurer

Each program requires an Insurer to provide the underwriting security for the program. If you would like to add your carrier, please contact us for customization work.

Policy Type

A program's policy type must be Property, Liability or a Hybrid of both. If you would like to add additional policy types, please contact us.

Dec Pages

A Program's dec page can be viewed but not edited since the dec page is provided by the insurer.

Wordings

Program Wordings can be viewed but not edited since the wordings are provided by the insurer.

Commision Rate

Program Commision Rate can be viewed but not edited since the rate is provided by the insurer.

Max Length Days

Indicates the maximum possible days allowed for a policy. Typically used not to allow annual policies on a short-term program. Max Length Days can be viewed but not edited since the insurer provides this parameter.

Certificate Pre-Fix

Each Program automatically assings a 'Pre-Fix' of two characters. You can override the prefix (max 4 char) to whatever you want to help keep track of your program's policies. For example;

EP-123456 The 'EP' is the Program's 'Pre-Fix' you can change.

Policy Init Number

Each Program automatically assigns a unique serial number of 6 Digits starting at 000001. You can change the first number in the sequence to whatever you like (min 4, max 6 characters). For example;

1234 changes the Program's first policy serial number to EP1234

Location Types

Programs come with pre-defined 'Location Types' to provide categorizing the venues you can add to your program. For example; a Community Centre has a different set of activities available to ensure compared to a Library or Playing Field. Location Types can be viewed but not edited since the insurer determines them.

Questions

Programs come with pre-defined 'Questions' to provide clients when they purchase Insurance. Questions can be viewed but not edited since they are determined by the insurer.

Price Rules

Programs come with pre-defined 'Price Rules' to provide clients automated rates (quotes) when they purchase Insurance. Questions can be viewed but not edited since they are determined by the insurer.

Policy Management

Policies can be accessed under the Policies button via your main InsureCert Dashboard. To make changes to policies, find it, then edit it. You will only be allowed to change things that do not affect the price of the policy, like a Named Insured, or a start and end date (not duration). If it does, you'll n Changes are automatically sent to the Named Insured, Additional Insured, and Underwriters, so you don't need to do anything except change it online. What could be easier?

Policy List

Access the list of policies for each domain by clicking Policies in your dashboard, there is a universal search across all your domains, or you can filter the domain list, so you're only searching domain specific policies.

Policy Filter

Access the list of possible filters via the flyout menu beside the Search text box. specific policies.

New Quote

Producers and Agents can create a new quote for their clients by accessing the secondary domain address just like clients. Producers and Agents who are assigned to a Program and logged in will be able to fill in the answers on behalf of their client and click; 'Send Quote' button after entering their name and email. Quotes will be delivered to the email address entered and contain a link back to the page created by the producer or agent. The client simply has to agree to the terms of the policy and check out with bitcoin or credit card.

Policy Changes

Once a policy has been created, you can edit 'minor changes' that which does not affect the price of the policy. Minor changes are; Named Insured, Effective, and Expiry Dates (not duration) Location Type. To change a policy first find it, by clicking Policies from your main dashboard. Click the policy ID# to enter the edit policy page.

Override Premium

If a client enters a value while making a policy that exceeds the rating authority for the program, the client will receive a $0 quote and an invitation for them to continue checking out. Once checked out, the broker will receive a notice that a custom quote is required. An example might be a client entering over 1000 people for a private event. Rather than rejecting the value of >1000 we want to capture the request so we can service the quote manually. The broker would then request a quote from the underwriter for over 1000 people and, once obtained, enter the premium into the Override Premium field. Once entered the broker would "Send Quote" and an email would be sent to the client inviting them to finish their purchase using the premium entered by the broker.

Changing Dates

If a policyholder wants to change the dates of their coverage, you can accommodate the request only if the duration does not change. If the duration (number of days) changes, it will typically change the price of the policy. Any change that affects the premium requires that the Named Insured cancel the incorrect policy and re-purchase a new policy with the correct duration.

Override Venue Type

Depending on which program you are running, some policies use a Venue Type to help administrators of multiple venues manage their certificates of insurance. Some examples are; Community Centre, Playing Field, Ice Rink. Changing the venue type does not typically change the premium so agents can change the venue type via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, you can change the venue type, save your change and then click Send Certificate button to re-broadcast the certificate with the updated venue type.

Override Named Insured

You can change the Named Insured via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, you can change the Named Insured, save your change and then click Send Certificate button. This will re-broadcast (via email) the certficate with the updated value.

Certificate Download

You can download certificates via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, click Download button.

Send Certificate

You can send the certificates to the Named Insured including stakeholders like Loss Payees and Additional Insured, if they are location based certificates, via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, click Send Certificate button.

Cancel Policy

You can cancel the policy via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, click Cancel Policy button. A popup window containing a Note area where you can paste in the message from the client requesting the cancellation, and a Confirm button. The client will receive a refund on their premiums only. Brokerage and Service fees are not refunded by default.

Send Invoice

Invoices are sent automatically upon purchase to the Named Insured's email address. You can re-send copies via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, click Send Invoicebutton. The invoice will be sent to the Named Insured's email for the policy. If someone not at the email requires a copy, you would have to download a copy via the Policies > Search > View Order scroll down to the Invoice and save a copy to your desktop and send manually.

Refund Policy

You can refund the entire policy via the dashboard: Policies > Search > Click Policy ID# once you are in the policy, click Refund Policy button. A popup window containing a Note area where you can paste in the message from the client requesting the refund, and a Confirm button. Refunds are used in circumstances where there is an error or duplication that does not justify keeping brokerage and services fees. With a refund, the client will receive a 100% total refund including Brokerage and Service fees.

Policy History

See the policy history by clicking the History button from within the policy page.

Commision-Rate

The Commission Rate shows the percent of the premium that the broker will earn for each policy sold on their site. The rate cannot be changed but is configurable when creating a new Program using our customization services.

Commision Paid

The Commission Paid shows the earned commission when a policy is sold. It is calculated automatically and can not be altered. Commissions are automatically debited from the broker's account if the policy is subsequently canceled or refunded.

Service Fee

The Service Fee is set by the InsureCert system and cannot be changed. Service fees from our system will be shown on all invoices, receipts and order history.

Broker Fee

The Broker Fee will be shown on all invoices, receipts and order history pages and cannot be changed or hidden once a policy is issued. The Broker Fee can be set via the Dashboard > Domains > Edit Domain > Broker Fee

Policy Status

The Policy status is set by the system and cannot be changed unless you change something requiring a status change.

Policy Location

The Policy Location indicates the Name of the Stakeholder's venue or store. For example, a private hall owner that needs its insurance for a wedding reception or a camera dealer that has rented out a camera from one of his shops. Since the Stakeholder needs to be an Additional Insured or Loss Payee on the policy certificate, their location is attached to the policy record. A location can not be changed. If a new location is required, the policy must be canceled and a new policy created.

Policy Link

The Policy Link takes the user to the front end web page that the user interacted with while buying a policy. Once a policy is purchased it can not be changed from the front end, although can print invoices and certificates.

Policy Dates

Policy Dates show the purchase date, the modified date, the Effective Date and the Expiry Date of the policy. To change dates, see Changing Dates above.

Custom Web Pages

Domains can be customized to include as many pages as you like. Using our templating system brokers can upload HTML pages and use custom CSS to change the look and feel of your site to fit your branding.

Adding New Pages

Your InsureCert representative will instruct you how to setup FTP on your computer so your designer can upload html pages, images and css/less files.

Editing Existing Pages

Your InsureCert representative will instruct you how to setup FTP on your computer so your designer can edit html pages, images and css/less files.

Designing with Less

InsureCert comes pre-loaded with LESS support for designers.

Uploading Images

Your InsureCert representative will instruct you how to setup FTP on your computer so your designer can edit html pages, images and css/less files.

Color and Design

Your InsureCert representative will instruct you how to setup FTP on your computer so your designer can edit html pages, images and css/less files.

Defaults

Your InsureCert store come preconfigured to use certain layouts, and workflows including the policy creation pages that can not be changed. Suffice to say; the CSS/LESS files can be modified to a certain degree. Contact us for more information and customization options.

Ticket Management

Tickets are service requests from your clients. Service requests can range from simple questions about a policy to help to obtain a custom quote. Tickets arrive at your brokerage when a customer submits a form which will be pre-configured as pages at your primary and secondary domains. The locations are;

/changes
/add
/claims
/contact

For example, someone wants to make a new claim they would fill out the form found at

your-domain.insurecert.com/claims

Ticket Notification

Once a form is submitted it automatically creates a ticket and you will be notified via email that a new ticket has been created. To access tickets, visit your dashboard and click Tickets

Responding to Tickets

To respond to a ticket, click the link that was sent to your email, or find the Ticket ID# in the list of tickets and click to open it.

Change Requests

Change requests are received via the form atdomain/changesThe only changes that are possible with any policy are those that do not effect the premium. Such as; Named Insured, Start and End dates (not duration).

Claim Requests

Claim requests are received via the form at domain/claimsClaim notifications are sent to the broker and underwriter simultaniously. Once a submission is verified, a claims adjuster will be assigned to your ticket.

Venue Requests

For programs that support venue locations, a link to add venues that are not found is linked via the /add page.

Venue Management

Venues are added by the broker to enable stakeholders to receive certificates of insurance naming them as Cretificate Holder, Additional Insured or Loss Payee. To add, edit or assign a venue to a program, click Venues from your dashboard.

Venue List

Access all your venues from the Venueslink on your dashboard.

Venue Filter

You can filter your venue list by program type via the filter pop out menu next to the Search text box.

Adding New Venues

Add venues via the dashboard; Venues > Add Venue

Selecting Venue Program

When adding a new venue, you must assign it to one or more programs using the modal window listing all your available programs. Depending on the program, secondary selections may be necessary to align ratings with the type of venue you are adding. For example, when using a special events Liability program, you may be required to set a civic, university or private venue type.

Active

When adding a new venue, you must assign it to one or more programs using the modal window listing all your available programs. Depending on the program, secondary selections may be necessary to align ratings with the type of venue you are adding. For example, when using a special events Liability program, you may be required to set a civic, university or private venue type.

Venue Slug

When adding a new venue, a 'slug' is automatically created which provides a direct link to the venue. For example, typing The Commodore Night Club as the venue name, the link made available would be the-commodore-night-club the direct 'slug' link will be available at the domain:

your-domain.insurecert.com/location/the-commodore-night-club

Locations entered by your brokerage are not made available to any other broker or program.

Loss Payee

The Loss Payee for this venue such as the equipment owner.

Additional Insured

The Additional Insured for this venue such as the building owner, city, parks boards etc.

Venue Primary email

The Venue Primary email for this venue receives notices when a policy is purchased or cancelled.

Venue Types

InsureCert makes it easy to add Venue Types to help manage your programs and gain insight into sales. Set the Venue Type to chose ratings, questions and answers.

  • New Venue Types
  • Editing Venue Types
  • Removing Venue Types
  • Venue Questions
  • Venue Price Rules

Clients

View, maintain and interact with your client's history.

  • Exporting Client Lists
  • Client History
  • Order History
  • Payment History
  • Ticket History
  • Claim History
  • Black Listing

Reporting

List, Edit and Create custom sales reports.

  • List Reports
  • New Reports
  • Editing Reports
  • Scheduling Reports
  • Setting Recipients
  • Subscribing to Reports
  • Available Data Fields

Live Chat

Chat with customers and give them instant web help.

  • We supprt several Chat integration options
  • Real Time Chat
  • Canned Responses
  • Create tickets on the fly
  • Auto-followups
  • Improve Satisfaction

API

An API is a term used in the Application Programming Interface (API) process that uses sets of technologies that enable websites to interact with each other by using REST, SOAP, JavaScript and other web technologies. The technology is used in non-web-based applications, and becoming an increasing trend in "Web 2.0" applications. InsureCert uses a standard REST API. Our workflows can be discovered via our API browser interface and by inspecting the network tab of a browser's development mode:

Django REST framework




Account Setup
Program Management
Policy Management
Custom Web Pages
Ticket Management
Venues
Venue Types
Clients
Reporting
Live Chat
  • We supprt several Chat integration options
  • Real Time Chat
  • Canned Responses
  • Create tickets on the fly
  • Auto-followups
  • Improve Satisfaction
API
Django REST framework