Kemper Auto and Home
www.Kemperautoandhome.com
400 S. Executive Dr., Ste. 200
Brookfield , WI 53005
Contact: John Vose, CPCU, Midwest Regional Manager
Phone: (262) 207-8800
FAX: (262) 207-8525
jvose@kahg.com
Percent of business in Illinois by line:
Personal: 100%
Premium Volume: $33,000,000
Are you currently appointing new agents? Yes, we are actively seeking new agencies in many towns and cities in Illinois . We do, however, limit the number of our contracts to provide better value for our agency partners.
What type of agency is your company looking for? We seek agencies who desire a strong company partner that provides regional underwriting, outstanding claims and marketing services together with a state of the art automation system. Agencies that are growing and are writing preferred personal lines accounts are typically an ideal match with Kemper Auto and Home.
What are your premium volume requirements? (In profit sharing? In life?) Kemper Auto and Home's profit sharing plan starts at $250,000. We do not write life business, so there are no requirements there. Agencies who write $750,000 or more are eligible for a suite of additional benefits through our Franchise Agency program. Agencies vary in size from $100,000 to over $3 million in business with Kemper Auto and Home.
Are you currently doing any niche-marketing program? No. We write a broad cross section of personal lines business.
What is your company’s most aggressive line of business? Kemper Auto and Home's Package policy is extremely popular with both agents and policyholders. While we do write monoline home and auto accounts, most agents prefer to write package policies with us.
Do you use credit scoring? Yes. Insurance scoring is used on new business and accounts are re-scored every three years or upon agent request.
What methods do you use to distribute your insurance products? We distribute our auto, home, boat, umbrella and package policies through independent agencies. We are a Trusted Choice member and assist many of our agents in marketing their agencies.
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? As a member of the Unitrin family, Kemper Auto and Home is a financially strong and stable company with corporate headquarters in Chicago . Our outstanding package policy together with industry leading automation and regional underwriting provides agents with both a great product to sell and great service to back it up. Our agencies consistently rate both our responsiveness and customer service as excellent. Writing business in 40 states also gives our agents the ability to handle multi-state accounts quickly and easily.
If we had agents agree to sell homeowners policies with actual cash value endorsements, would you write more business in southern Illinois ? At this time we do not offer actual cash value coverage for Coverage A on homeowner policies. However, we are considering it and would be interested in discussing the possibility with agents.
Please list your Marketing Representatives and the territory they cover:
Loren Banik, 847-352-4871, Eastern Illinois
Todd Berg, 815-623-5713, Western Illinois
Do you plan on retaining your current profit sharing agreements? Yes. We have an industry competitive profit sharing program and we continually review our program to insure we maintain a competitive agreement.
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? MI Assistant today and we are actively working with AMS, Priority Data and several other vendors.
Do you offer single-entry new business upload from either comparative raters and/or management systems? No
Is it available today? It will be available during the 4th quarter of 2005.
If yes, what vendors? MI Assistant, AMS and Priority Data are all under development.
Is it in development? Yes, as needed
Do you provide rates and assistance to comparative rating vendors? Yes
What kind of assistance? Whatever is needed to get the job done. We have a large and responsive IT team that provides this assistance.
Do you work with comparative rating vendors to improve accuracy? Yes
Do you test vendor rates? Always
What is your current real-time rating strategy? We are in development with several vendors to provide this.
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? Auto, home, and Umbrella for both package and monoline accounts.
Can the transaction be bound online? Yes
Can your agents service in-force policies? Yes
Which lines? All lines
Describe the service transactions available: Policy Changes, billing information, and claims information is on-line.
Do you publish agent manuals and policy forms on-line? Yes. All manuals and forms are available on-line.
Do you have upload? Yes
Which lines? All lines except dwelling fire which will be automated in the near future.
Do you support policy download? Yes
Which lines? All lines
Do you support direct bill commission statement download? Yes
Which agency management systems do you work with? All major vendors and almost all smaller vendors.
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
Which lines? We are actively working on this.
Do you support either Transformation Station, Transact Now or other technologies? Yes
If yes, please specify: We are up and running with certain functions on Transformation Station.
Is this technology available today? Yes
If yes, how many transactions do you process in a month? It varies by state
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) Industry leading technology and websites, including single entry quoting and upload with comparative rating vendors.
2) Being seen by our agency partners as being 'Easy to do business with!'
3) Underwriting, claims and endorsement processes which reduce agency time and speed the completion of the transaction for the policyholder.