RealTimeExpress Blog

August 3, 2017

5 Reasons to Allow Commercial Quote & Issue on Your Website

Filed under: Uncategorized — realtimeexpress @ 2:16 pm

Did you know General liability, BOP, & Professional Liability can all be quoted and issued with a credit/debit card from your website by your customer using Combined Consumer Portal

  1.  Convenience for your customers.  Let’s face it, many customers want a commercial quote at their convenience.  Allowing commercial quote & issue from your website gives your customers easy 24/7 access.
  2. No touch commercial policies for your office.  No more quoting.  No more meetings.  Just sit back and get paid.
  3. Keeps creative juices flowing.  Use the Combined Consumer Portal web link in creative ways.  Use it in social media or purchase email lists.
  4. Attain hot leads even if a policy is not ordered.  The quote reminder email allows you to follow-up with your customer.
  5. Ease of doing business.  Service center model allows your customer to work directly with the carrier on everything (billing, certs, endorsements, etc.).

May I have your permission to email complete information to you?  Just use this short form. Or feel free to call me at 214-295-1586 to chat about it.

Thank you,
Mark Van Horn
14785 Preston Rd., Suite 350
Dallas, Texas 7525


October 22, 2015

Top 5 Business Owners Policy (BOP) Classifications

Filed under: Uncategorized — realtimeexpress @ 3:48 pm, the leading provider of commercial comparative rates for commercial independent insurance agents, clusters, & wholesalers has released a report showing the top 5 Business Owners Policy (BOP) classes that were quoted in the last six months.

The report shows possible opportunities for independent agents that strive for focused marketing.  Focused marketing allows the agent to become the industry export for a particular classification(s).

The report also allows personal lines agents to view commercial insurance business opportunities they may be missing out on today.  It also allows agents to see businesses that are flourishing across America.

RealTimeExpress brings efficiency & opportunity to independent insurance agents across America.  In about the same amount of time it takes an agent to go to one carriers’ website, you can go to and receive all your eligible quotes with a single entry.


  1. Lessors Risk Only (LRO) for Single & Multiple Occupancy
  2. Ice Cream & Frozen Yogurt Shops
  3. Nail Salons
  4. Churches
  5. Clothing or Wearing Apparel Stores

For a listing of the top 10 classifications, email me your request to

For more information about RealTimeExpress contact:

Mark Van Horn

December 11, 2012

Business Owners Policy. What Consumers Expect From Their Agent.

First, let’s define Business Owners Policy (BOP).  A BOP policy in general is a package policy that includes both property and general liability insurance.  In many cases additional coverages can be added.  A BOP policy covers businesses in the case of damaged or lost property.  In other words, in the event of a claim, you’ll receive enough settlement to replace the property.  The policy can also include personal property.  The liability portion of the BOP protects the business against claims of bodily injury or property damage.  It can also cover legal defense, libel, slander, & even false advertising.

Now the real question.  What do consumers expect from their Agents?

First of all, most policies, depending on the type of business, will have an average premium of $2,500.  For the small business, this can put a big dent in their annual budget.  Most businesses expect the agent to shop more than one market. Doing so, assures the business they are getting the best deal possible.  Price is important.  Using a small commercial comparative premium rater like allows the agent to immediately build trust by shopping all their markets with a single entry.

Secondly, businesses expect their agent to be the expert.  The agent must know about additional location/building coverages as well as policy enhancement packages.  The agent that knows this information establishes them as the expert in the industry.

Third, businesses expect their agent to explain the differences between multiple insurance company quotes.  Explain why one carriers premium may be higher than another.  Explain why one carrier may offer additional coverages and how that affects pricing.

Agents, for more information about, contact Mark Van Horn at 214-295-1586.

August 26, 2010

Top 5 Ways to Write Small Commercial Business and Make More Money

Filed under: Commercial Insurance — realtimeexpress @ 8:29 pm

Do you have clients asking for help with small commercial quotes, but you turn them down or pass them to other agents because you believe “small commercial takes too much time?”

If so, you’re not alone. In fact, you are part of a sizable majority of agents. Most never write any small commercial business (less than $30,000 in premium), even when it’s practically handed to them by a current client!

For most producers, that can be a big mistake. If you are in that group, chances are no one has shown you how simple it can be to expand your business and your income by adding small commercial lines to your offerings.

Small Commercial Insurance the Easy Way

This article describes five ways to help yourself and your clients, without having to stop doing the things that make you successful in other lines. Let’s start with the most important one first because this one idea will substantially improve your results in the other areas.

1. Use Technology – Web-based comparative raters have changed the small commercial insurance industry dramatically by automating the formerly time-consuming process of obtaining quotes. With this powerful tool agents now can enter client data once and get back quotes from multiple carriers in a matter of minutes.

Comparative raters put the power and credibility of the biggest carriers on your side immediately, even if you’ve never written a small commercial case. In addition to quotes, you get top-quality sales presentation materials to print out, including coverage and premium comparisons.

Agents without commercial carrier direct appointments can use wholesale comparative raters and receive commissions through the wholesaler, while agents with direct appointments can use retailer raters and be paid directly by the carriers. Either way, the process is fast and easy.

2. Ask for the Business – There is no reason not to ask existing clients and prospects for small commercial business, once you have the power and expertise at hand. Think not only of your personal lines clients who own businesses, but the people they know, too.

Ask your clients where they work to see if it is the kind of business you might like to have as a client. If your client works for a small business, ask her for the name of the business owner, or better still, ask for an introduction. Remember, the road runs in both directions: just as existing clients can lead you to profitable small commercial business, new small commercial clients have personal needs you can serve, too.

3. Associations and Vertical Markets – Many agents find real gold in getting to know the needs of vertical markets, developing solutions and promoting them to all businesses in that niche. For example, if you were to decide to become the industry expert in bowling establishments, you would develop packages that include liquor coverage, as well as traditional small commercial coverage.

You become the “go to” insurance professional for bowling establishments. Then, join bowling associations and attend every meeting. Develop trust by getting to know people in the associations and have a blast doing it!

When you begin to master a vertical market you will find which carriers are most likely to have the best coverage. Know your markets! Carriers that are strong in one type of coverage for years often are replaced overnight by other carriers. The comparative rater will help you make certain you keep getting the most competitive quotes.

4. Business-to-Business – As an insurance agent you are an expert at serving the needs of individuals. That qualifies you for the small commercial insurance market because, regardless of the market, people make the buying decisions, not companies. Focus on serving the decision makers in an organization.

You may find it much more profitable to use any unscheduled time calling on small businesses instead of cold calls to ex-date auto and homeowner policies. Take a stack of business cards, get out of the office and stir things up.

Chances are very good you will find several business owners who are not satisfied with their current coverage or agent. You will establish yourself as a complete professional when you tell them you will search the top commercial carriers for the best coverage and rates and get back to them later that day or the next.

5. Social media – Make your website the hub of your marketing activities. If you do not have a website specifically for your business, it’s a good idea to get one. Regardless, you should use social media sites to promote your business.

A weblog should be the cornerstone of your social media strategy. It allows you to express yourself in a personal, yet professional way, and you can get valuable feedback from comments readers make to your blog posts. Do posts that include success stories and case studies. A Facebook fan page for your business can be a valuable adjunct, as can a Twitter account.

Think of social media as an online social mixer, where you meet people and get to understand their needs. Use social media (and your website) to inform, not sell. Provide great information about things of interest to your clients, including links to articles or blog posts by top professionals. This works especially well on Twitter, Facebook and LinkedIn discussion groups. 

Give Yourself a Pay Raise

The average Small Business Owner Policy premium is between $2,500 and $5,000. Sell two policies per week at a 10-to-15% commission rate and watch your bank account grow exponentially each month.    

Kick back and watch each succeeding year as your renewal retention rewards you every month.  Eventually this could become your core business. Remember, with a comparative rater doing the calculations and presentations, you can invest your time getting in front of more clients and prospects.

Start today. Get online and start finding out about small commercial business and comparative raters. Call or make an online request for a demonstration.

Mark Van Horn is president of Quantum Integrated Systems, Inc. and a small commercial comparative rater for independent insurance agents nationwide. He has more than 20 years of commercial insurance experience and can be reached at 214-295-1586 or by email at

May 7, 2010

How To Make Money Writing Small Commercial for MGA’s

Filed under: Commercial Insurance — realtimeexpress @ 6:51 pm
Tags: , , , , , ,

Question:  Can you make money writing small commercial? 

Answer:  Yes, but only if you are taking advantage of current technology.

Yes, it is possible to make money writing small commercial business.  Most MGA’s, GA’s, & Wholesalers shy away writing small commercial business because it cost them too much time to process and the margin for profit is so small it doesn’t make sense.  Most are asking for & selling Middle Market type business. 

Here’s the Good News!  MGA’s can how offer small commercial business and make a profit.  How?  By not quoting the business.  You only touch the business once!  You heard me right.  NO MORE QUOTING!  Instead, lead the independent agent to your website for quoting.  You can take advantage of current technology that allows you to push the quote entry out to the independent agent.  In return, the agents gets real-time quotes with a single entry for multiple carriers.  It’s a WIN WIN!

For more information, please contact me at or call me at 214-295-1586.

Here’s to processing Binders!

Mark Van Horn

December 29, 2009

What is BOP Insurance?

Filed under: Commercial Insurance — realtimeexpress @ 3:49 pm
Tags: , , ,

Businesses big & small face many risks.  Business owners need insurance to protect their business and assets.

What is a BOP?  Many business owners simply do not know.  A BOP is a Business Owners Policy.  It’s a package of insurance.  Coverages include Property Insurance, Business Interruption Insurance, & Liability Insurance.  Most carriers also offer package enhancement endorsements.

A BOP does not cover Workers Compensation, Professional Liability, Auto Insurance, or Health and Disability Insurance.  These risks must be covered by separate policies.

Consult your insurance professional today about BOP Insurance!

RealTimeExpress allows agents to access BOP Insurance quotes for multiple carriers with a single entry.  For more information, contact Mark Van Horn at or call 214-295-1586.

October 30, 2009

Walking, Working, Driving In A Winter Wonderland

Filed under: Commercial Insurance — realtimeexpress @ 8:12 pm
Tags: , ,

Winter Driver

Winter and potentially hazardous weather conditions are just around the corner. 

When employers ask their employees to take to the road, precautions should be taken. 

When employees return home, a different set of precautionary actions should be taken for their families.

Some of those precautions are listed below.

Traveling in possible icy or other hazardous road conditions:

  • Bring along blankets and a bright piece of cloth to tie on your antenna if you become stranded.
  • Flashlight with spare batteries.
  • Extra change of clothing to keep dry.
  • Non-perishable foods such as candy bars, canned goods, or high calorie food like Power Bars.
  • A can and waterproof matches (used to melt snow for drinking water).
  • A compass, shovel and sand, tow rope, and jumper cables.
  • Check the latest forecast from NOAA or other dependable weather forecasting service.
  • Check the latest road conditions before you head out into winter weather.
  • Let a relative or close acquaintance know where you are going and when you think you will reach your destination.

At home

  • Have your furnace checked before you need to use it.
  • Seal any windows that you suspect allow cold air into the house with caulking or plastic.
  • Include a home safety kit that includes extra non-perishable food, medicine, and a battery operated radio.
  • Keep a flashlight and extra batteries handy. Keep candles and matches handy for extended periods of electrical loss.

September 25, 2009

Why Business Insurance?

Filed under: Commercial Insurance — realtimeexpress @ 8:38 pm
Tags: , ,

Business Insurance can be used to cover fire or liability for your business.  If you have losses in a fire, how would you continue to live?  There is Business Income Coverage, or Extra Expense Coverage in case you need to set up somewhere else.  This way customers don’t forget you while you get back on your feet.  Make sure you business has proper coverage.

Tell your agent about small commercial comparative rater for Business Owners, Workers Compensation, & Commercial Auto.

September 24, 2009

Internet Explorer Still Leading In Browser Market Share

Filed under: Uncategorized — realtimeexpress @ 4:56 pm
Tags: , , , ,
RealTimeExpress  browser stats

RealTimeExpress browser stats

Popular browsers like Chrome (google) and Firefox are still lagging behind leading market share browser Internet Explorer.  Data was releaesed from statistics collected by 

Popular versions of Internet Explorer include 7.0 (55% share), 8.0 (30% share), &  6.0 (15% share).

The recent release of Internet Explorer version 8.0 sent RealTimeExpress programmers to the drawing board to adjust the online software as a service comparative rating software for small commercial business.    According to programmer Ryan VerSteeg, “Everything is running smooth with all versions of Internet Explorer”.

September 11, 2009

Commercial Compartive Raters – Two Things You May Not Know

Filed under: Uncategorized — realtimeexpress @ 5:13 pm
Tags: , , , ,

For many years insurance agents have used comparative raters to process their personal lines quotes.  Many agents are not aware of commercial lines comparative raters that are on the market, right now, all online, with Real-time quoting for Business Owners Policy, Commercial Auto, & Workers Compensation.

Today, I would like to point out two important items you may not know when it comes to commercial comparative raters:

  1. Efficiency – no longer do you need to go to each carriers website to enter data.  Enter it once in a comparative rater and the software populates the carriers website on your behalf.  Talk about “reserving the market”, now we’re talking.
  2. Opportunity – if you have more than 2 or 3 carrier appointments you cannot afford to go to each carriers website for quoting.  It costs the agent too much money, especially doing high transaction, low premium business.  Using a comparative rater allows you to take advantage of every opportunity for each of your carrier appointments.  More opportunity = more business.

For more information regarding RealTimeExpress, contact Mark Van Horn at

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