Constitutional Casualty Company
www.constitutional.com
5618 North Milwaukee Ave.
Chicago, IL  60646-6291
Contact: Larry Von Drasek
Phone: (773) 763-7100
FAX: (773) 763-5938
lvondrasek@constitutional.com

Percent of business in Illinois by line:
Commercial: 20%  Personal: 80%
Premium Volume: 16,000,000

Are you currently appointing new agents? Yes

What type of agency is your company looking for? We are looking for independent agents that are willing to work with and make commitments with a small regional company.

What are your premium volume requirements? (In profit sharing? In life?) We have no production requirements. We offer profit sharing options at 200k.

Are you currently doing any niche-marketing program? Yes, we do not credit score our personal auto business. We have developed an excellent mono-line commercial auto program. We write Liquor Liability and General Liability for Taverns and Restaurants.

What is your company’s most aggressive line of business? Personal Auto is our most aggressive line of business.

Do you use credit scoring? We use it on new and renewal business for our homeowners business.

What methods do you use to distribute your insurance products? Our only line of distribution is thru independent agents.

What do you think makes your company different, or stand out from all the rest in Illinois? Why would an agent want to contract with your company? We value our relationship with the independent agent. Without your support we would have no way to reach our customers. You still have a local personal to talk to if you have a problem with our company.

If we had agents agree to sell homeowners policies with actual cash value endorsements, would you write more business in southern Illinois? No, we want to insure homes to 100% of their value. Having agents agree to sell an inferior product isn’t the going to help the problem.

Please list your Marketing Representatives and the territory they cover:
Larry Von Drasek, V.P. Marketing – entire State of Illinois
Darlene Schmitt - Marketing

Do you plan on retaining your current profit sharing agreements? Yes

Do you offer the ability for agents to integrate third-party reports into their comparative rating process? Yes

If yes, with what vendors have you developed and/or signed on to provide this technology? Quote-pro, MI-Assistant

Do you offer single-entry new business upload from either comparative raters and/or management systems? Yes

If yes, how many transactions do you process a month? We have just introduced the program.

If yes, what vendors? Quote-pro, MI-Assistant

Do you provide rates and assistance to comparative rating vendors? Yes

What kind of assistance? We provide our rates to all comparative rating vendors and provide rates to any agent that does not have a comparative rater at no cost to the agent.

Do you work with comparative rating vendors to improve accuracy? Yes

Do you test vendor rates? Yes

What is your current real-time rating strategy? We currently provide real time policy look-up for billing policy decs and issuance of new business.

Do you provide an agent facing website for your agent’s reference? Yes

Do you offer the ability to quote and/or issue new business? Yes

Which lines? Personal Auto and Homeowners

Can the transaction be bound online? Yes

Can your agents service in-force policies? Yes

Which lines? All Lines

Describe the service transactions available: They have real-time inquiry for any policy that they write with us for all lines of business.

Do you publish agent manuals and policy forms on-line? Yes

Do you have upload? Yes

Which lines? Personal auto and Homeowners

Do you support policy download? No

Do you support direct bill commission statement download? Yes

Which agency management systems do you work with? Quote-pro, MI-Assistant

Do you support real time service for inquiry? Yes

Which lines? All Lines

Claims? Yes

Billing? Yes

Do you have real time endorsement capabilities? No

Do you support either Transformation Station, Transact Now or other technologies? No

Is this technology available today? No

Is it in development? Yes

Please outline the top 3 technology initiatives your company will be implementing to benefit agency workflows, and describe how these initiatives will benefit the agency.

1. Real-time internet quoting and issuance of policies

2. E-Mail interface between agents and company personnel

3. Real-time endorsement processing