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

2017-08-03 09_17_18-Microsoft FrontPage - G__Library_Informer_CCPEmail1MVHv5.htm

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
214-295-1586

October 22, 2015

Top 5 Business Owners Policy (BOP) Classifications

Filed under: Uncategorized — realtimeexpress @ 3:48 pm

ice-cream-shop-20RealTimeExpress.com, 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 RealTimeExpress.com and receive all your eligible quotes with a single entry.

TOP 5 BOP BUSINESS CLASSIFICAITONS

  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 mvanhorn@quantumsys.net.

For more information about RealTimeExpress contact:

Mark Van Horn
214-295-1586
mvanhorn@quantumsys.net
http://www.realtimeexpress.com

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 RealTimeExpress.com 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 RealTimeExpress.com, contact Mark Van Horn at 214-295-1586.

September 24, 2009

Internet Explorer Still Leading In Browser Market Share

Filed under: Uncategorized — realtimeexpress @ 4:56 pm
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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 RealTimeExpress.com. 

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
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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 mvanhorn@quantumsys.net.

August 26, 2009

Beauty Shops Popular In Comparative Rater

Filed under: Uncategorized — realtimeexpress @ 3:58 pm
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“Beauty Shops” classification is gaining popularity in comparative raters.  Within RealTimeExpress.com it is the 6th most quoted classification for Business Owners Policy (BOP).  Here are the results of a quoted Beauty Shop classification using 6 carriers. 

Premium

  • Carrier A:   $2,700
  • Carrier B:   $4,368
  • Carrier C:   $2,018
  • Carrier D:   $5,304
  • Carrier E:   $4,353
  • Carrier F:   $3,718

As you can see, using a comparative rater gives you, the agent, options to present to your insured.  By the way, this firm bindable quote was was done in less than 8 minutes using RealTimeExpress.

For more information regarding RealTimeExpress.com contact David Taylor at dtaylor@quantumsys.net.

The above was quoted using $2mln in receipts, $200,000 payroll, and 5,000 sq ft.

August 25, 2009

Fast Track to Small Commercial Success

Filed under: Uncategorized — realtimeexpress @ 7:21 pm
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Did you know small commercial insurance policies (BOP, Commercial Auto, and Workers Compensation) are at $95 billion industry and they account for more than 40% of the commercial business written in the United States?

That makes Small Commercial a great market to be in – specially if you have the secret weapon, a commercial comparative rater, designed especially for agents with direct appointments.

Have you ever wanted to have just one place where you could:

  • Input your data in one website
  • Not have to re-key anything, or answer the same question twice for your direct appointments, and
  • Receive multiple quotes from national carriers such as Travelers, The Hartford, CNA, Liberty/Safeco, and Zurich in real-time?

That’s exactly what comparative raters can do for you.  You will receive multiple quotes, as if you had entered each account into each carrier’s website, without the risk of keyboard errors.  And you get to keep your commissions and contingencies!

Are You Miss Out on These Benefits?

  • Efficiency – save time by entering information only one time
  • One system and one set of questions containing all carrier eligibility rules
  • Allows additional time for service, prospecting and closing

To learn more about RealTimeExpress contact me, Mark Van Horn at mvanhorn@quantumsys.net

July 29, 2009

How To Find The Best Deal For Your Commercial Insurance

Looking for the best deal on you commercial insurance?  Need a Business Owners Policy (BOP)?  Need Workers’ Compensation?  Need Commercial Auto insurance?  Here are the steps to make sure you get the best deal possible.

  1. Ask your agent if he or she uses an online commercial comparative rater.  Agents need to be able to give you more than one quote and they need to give it to you quickly (not days).  Many agents are not aware of these tools. 
  2. Ask to see a side-by-side comparison of coverages and premiums by insurance carrier.
  3. Ask your agent to clarify advantages & disadvantages of coverages by carrier.

Following these simple steps will ensure you get the best deal possible on your commercial insurance.  Insurance agents to be aware of tools that exists to make thier life easier & efficient.

For more information regarding www.realtimeexpress, contact us at helpdesk@realtimeexpress.com.

July 23, 2009

Top 20 Business Classifications for Business Owners Policy

Take a look at the top 20 quoted business classifications in the last 60 days from our on-line comparative rater realtimeexpress.com.   

1.  Convenience Food Stores
2.  Restaurants – All Restaurants (Dine-in, Carry-out, Fast Food, Pizza, etc.)
3.  Building or Premises – LRO Single Occupancy
4.  Automobile Repair or Service Shops
5.  Cellular Phones and Pagers Stores
6.  Beauty Shop
7.  Building or Premises – LRO Multiple Occupancy
8.  Churches
9.  Building or Premises – LRO Strip Shopping Center
10. Grocery Stores
11. Insurance Agents
12. Building or Premises – LRO Multiple Occupancy Office
13. Liquor, Wine and Beer – Retail
14. Doctors Offices (No Emergency Clinics)
15. Nail Salons
16. Real Estate Office
17. Janitorial Services
18. Dentists
19. Furniture Stores Retail
20. Gift, Novelty, Souvenirs Retail

For more information or to schedule a demonstration of RealTimeExpress email dtaylor@quantumsys.net.

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