Consumer Online Access: Help Your Customers Help You
People used to get into elevators and give the floor number to an attendant. He’d close the outer and inner doors, and pull a lever to take you to your floor.
There was a time when you couldn’t telephone anyone yourself. You’d pick up the phone, give the number to the operator, and she’d dial for you.
Remember when searching for reference materials used to be a librarian’s job? Now we use the Internet. And when we’re lost in the car, a computerized voice helps. People are even scanning and bagging their own groceries.
What has changed? It’s all about convenience and control—and technology.
Technology has made it convenient for us to do these things ourselves. We also like to be in control. You know it’s done right if you do it yourself.
Not that we all rush to use these new technologies. For example, people at first hated the impersonal feeling of ATMs. They took quite a while to gain acceptance. We were confused by the technology, and didn’t trust it. We didn’t like the fact that people weren’t helping us. Now we can’t imagine living without ATMs.
In the beginning, people hated answering machines—the original “voice mail.” They were seen as impersonal, and accepting them took some time and tolerance.
Now think about workflow in your agency. What are things you’re doing for customers you can let go of? Are you stuck doing transactions—faxing pieces of paper here and there? What about the staff? Sure, the information is mission-critical, but why not let your customers do some of it themselves?
You say you don’t want to give up that customer touch? No, you don’t. But remember, your customers look to you for consultative advice and service—not transactions. Do you earn your commission by building intimate knowledge of your customers’ risks—finding the best coverage for them and updating their policies regularly? Or by processing pieces of ancillary paper, such as certificates of insurance?
For example, one agency offers online these self-service options:
• Review or make changes to personal or company information
• Review current insurance coverages
• Replace, edit, remove or add a driver, vehicle or equipment on the policy
• Request a motor vehicle report
• Request an insurance certificate
• Change or add a certificate holder, additional named insured or loss payee
• Request an insurance form
• Report an accident or claim
• Ask a question
• Get an insurance quote
• Ask about employee benefits options
• Ask about financial services
• Post a question on the bulletin board.
Self-service doesn’t replace the value or need of the insurance professional. But consumer online access can help agents get rid of an incredible amount of processing activity.
An easy place for any agency to start providing self-service options for its clients is in certificates of insurance. Certificates are a non-revenue-generating activity for agents and a constant source of irritation for clients who can’t get them when they need them. This type of self-service gives agents and brokers a competitive advantage by providing 24/7 service without additional staff. It is popular with contractors who are out in the field and truckers who are out on the road during daytime business hours. These groups and others can access certificates of insurance themselves when they are doing their paperwork—after hours.
Technology allows people to happily fend for themselves in a lot of cases. They don’t have to rely on others—it’s always convenient, always accessible, easy to use, and it’s flexible for people with busy schedules. Technology puts them in
charge.
Agents never should have evolved into order-takers. The agency that engages primarily in transaction processing will lose its value, and someday will probably be replaced by a website. But the agency that really pays attention to customers’ needs and portfolios can see the Internet as a tool, not a competitor.
What are some things you don’t want to give up as an independent agent? Consultative selling, true relationship building, risk management, choice of companies, and the best coverage at a decent price. But for everything else, many of your clients want to use the Internet to do business with you. Are you ready?