Clickable Coverage is a collection of almost two dozen interactive scenes that you place directly within your existing agency website. It only takes a few minutes and works on all websites – no matter how old or new. Anyone can do it.

You can try it for yourself below.

Home

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire or a storm, you may not be able to live in your home until it can be repaired or rebuilt – potentially incurring additional living expenses for lodging, food and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Jewelry, Fine Arts and Collectibles

Risk Factor

If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles and other valuables have limited or no coverage and need to be insured separately.

Solution

Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a barbecue pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars

Risk Factor

Collector vehicles often have significant value and require specialized insurance coverage and claims handling.

Solution

Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Back-Up

Risk Factor

Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer or sump pump.

Solution

Water back-up coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump and related risks.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Imagine having these scenes on your agency website. With Clickable Coverage, you can.

The results have been remarkable.

In some cases, prospects are spending over five minutes on those pages learning about insurance! In today’s fast-paced world, that’s a long time and is well above the industry average.

That means that people are engaging with the content, learning about insurance and becoming more informed about their options. Perfect!

How Clickable Coverage works for independent insurance agencies

Clickable Coverage helps sell the value of having the proper insurance coverage in place. In the process, it takes the focus away from the bottom-line premium.

For example, on the Restaurant scene, prospects can learn about the basics – such as Cyber Liability, Flood and EPLI, and also some unique risks specific to restaurants, such as Liquor Liability, Contingent Business Interruption, Sign Coverage and more. Explore below.


You can even use Clickable Coverage on your iPad or tablet – which is impressive when meeting face-to-face with prospects.

In fact, we heard from an agency using Clickable Coverage to break into the brewery industry. He loaded up the Brewery scene on his iPad and visited a local brewery association.

They were immediately impressed and the agency got the deal. Nice!

Put the focus on the proper coverage, not price

The goal is to get non-insurance people to understand and value the proper coverage.

As we know, not all insurance coverage is created equal. There’s more to a policy than how low we can get the premium.

Clickable Coverage is a creative, modern and, let’s face it, cool way to educate prospects and clients and get them thinking about the quality of the coverage – not the price.

How you can use Clickable Coverage throughout the sales process

Clickable Coverage is designed to support the sales process. Here are a few possibilities:

1. Send prospects a link before or after your meetings

The Clickable Coverage scenes “live” on your agency website, so it’s easy to send prospects a quick link to view the appropriate scene(s) before or after meetings or phone calls. Not only does it differentiate you and the agency, but it also reinforces your mission of adequately protecting them or their business.

2. Reference Clickable Coverage during the renewal process

As policy renewals approach, send the appropriate Clickable Coverage scene(s) to your clients to ensure they are well protected. Highlight any potential gaps in coverage and be sure to discuss the related insurance solutions with them one-on-one.

3. Update your email signature to include links to Clickable Coverage scenes

If you’re like most of us, you send a lot of email. Your email signature is a great place to include links to the various Clickable Coverage scenes that make sense for what you do.

4. Share the scenes on LinkedIn, your blog and social media

Clickable Coverage is ideal content to share across the web – whether on your LinkedIn profile, Facebook page or even on your agency’s blog. It helps reinforce your position in the community and underscores your expertise in the industry. And, since it’s so unique, it definitely stands out!

5. Leverage it during your face-to-face meetings

Clickable Coverage is great for face-to-face meetings, especially if you have an iPad or any tablet or laptop. You can open the scenes and walk prospects through some of the “hot spots” to get the conversation started. Then, when you get back to the office and send your email recap, include links so they can explore the scenes on their own time.

6. Use Clickable Coverage as an internal education and training tool

We’ve heard from numerous agency owners and producers that they use Clickable Coverage as a reminder of the unique risks families and businesses face. So, even if you don’t write a lot of Golf Courses, for example, you can still get a high-level view of where to focus. Think of it as your internal cheat sheet.

7. Edit the pre-built content and add new scenes just for your agency

Clickable Coverage is flexible. All of the scenes come “out of the box” with industry-vetted content. It’s ready-to-go, so most agencies simply use it as-is. However, all of the content is completely editable. It’s easy to adjust the yellow “hot spots” and all of the related content that appears when people click on them.

Plus, you can even have new scenes created just for your agency. This is great for unique, niche-focused markets since the design and content is exclusive to your agency. No one else will have it.

Give it a try…for free!

To see all of the scenes, click here.

I’d love to hear what you think.

Author Jeff Teschke

More posts by Jeff Teschke
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