Using Clickable Coverage

Interactive Graphics Explain Insurance in a Fun and Engaging Way

Help Center - Using Clickable Coverage On Your ActiveAgency Website
Read Time

10 minutes

Designed To

Look Amazing, Get Found, Sell More, Service Better

Your website is your marketing hub.

74% of consumers begin their search for insurance online. That statistic alone should make clear how important it is to have a website that attracts visitors. But more than that, you also need the means to keep them there long enough to learn about who you are and why your agency is the right choice. Clickable Coverage, one of our favorite features of the ActiveAgency website platform, is an innovative sales and educational tool designed to do just that.

What is Clickable Coverage?

Clickable Coverage is a series of interactive industry and coverage-specific graphics that outline various risk factors and insurance solutions that impact individuals and businesses. We currently have over 40 graphics available with many more on the way. These images are professionally designed to feature well-researched insurance information to create a total wow factor for clients and prospects by offering a friendly and approachable way to learn about insurance topics, with a focus on the business and personal coverages that matter to them most.

  Professionally designed and written, Clickable Coverage is a total wow factor!

What are the benefits of Clickable Coverage?

First and foremost, Clickable Coverage is a ground-breaking educational tool. It offers value to website visitors from the moment they reach the page by providing information specific to their needs. They are put in the driver’s seat with the ability to click around at their own pace. The content also shifts the focus from price to the value of having a specific coverage, all while showcasing your agency’s expertise.

Clickable Coverage Example on the ActiveAgency Purple Demo Website

Another important benefit of Clickable Coverage is how it increases the time spent on the page. By and large, people will leave a page that consists of a wall of text or is otherwise overwhelming. If you were to take all of the information in each Clickable Coverage graphic and simply write it out in plain text, most would not stay to read it thoroughly. Consequently, the average time spent on a regular webpage is around 10 seconds.

However, when that same information is presented in smaller bites and an interactive format, people tend to read it all. It’s human nature to want to click on all those flashing yellow hot spots. The average time spent on a webpage with a Clickable Coverage graphic? A whopping six minutes and twenty seconds!

  Clickable Coverage offers educational value and increased SEO rankings.

Clickable Coverage also benefits SEO in two ways. First, the content associated with each graphic is keyword-rich and specific to the appropriate industry or coverage. It’s written to grab the attention of the folks you’re looking to reach. And remember that stat we just mentioned about the amount of time spent on the page? Well, Google is increasingly looking at that metric as a way to gauge value. The longer a visitor stays on your page, the better the content must be, and Google responds by increasing your search ranking.

Clickable Coverage Risk Solution Open to Learn About Insurance Risks

Explore all Clickable Coverage graphics.

Our extensive library of Clickable Coverage graphics boasts over 40 scenes and is constantly growing. Whether you specialize in personal insurance, business insurance, or employee benefits, there are topics available. Is there something you’d like to see? Reach out and let us know!

We know you’re eager to see what Clickable Coverage is all about. Below are all of the Clickable Coverage graphics available. Don’t be shy; select a topic from the dropdown menu, click on those hotspots, and try this effective tool out for yourself!

Click it. Read it. Cover it.

Choose a topic to explore, then click the hotspots to learn!

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

Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.

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 Collectables

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 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 Backup

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 backup 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.

How can Clickable Coverage be used as a sales tool?

While Clickable Coverage is certainly beneficial just by living on your website, those benefits increase exponentially when you proactively use it. Prospects will be impressed by the tool itself, your investment in them as a potential client, and your expertise.

So when should you send it? That’s up to you! You could email a link to a relevant graphic while you’re trying to set that first pitch meeting. Or direct them to the Clickable Coverage graphic for their industry or personal needs after the meeting as part of a follow-up email to get in front of them again and stay top of mind.

But Clickable Coverage isn’t just for prospects. Consider incorporating links to graphics in your annual renewal email or using it as a visual aid while presenting renewal options. If you’re highlighting coverage enhancements or possible endorsements, look for a hotspot that illustrates why these are important for your client.

Incorporate Clickable Coverage in non-sales ways as well.

Clickable Coverage is so much more than a tool to bring out at sales and renewal meetings. It’s easy to incorporate it into various aspects of your business. Here are a few of the ways we’ve seen agencies use Clickable Coverage:

Place the Clickable Coverage link in your email signature

Insert a link in your email signature. From customer service to account managers, anyone in contact with clients or prospects can easily spread the word about Clickable Coverage.

Using Clickable Coverage - Sending a Clickable Coverage Link Through Email

Share scenes on social media.

A social post with a link back to the graphic that incorporates hashtags for the industries and coverages you target can go a long way to widen your reach on various platforms.

Use it as an internal educational tool.

If you have someone on your team who is new to the insurance industry, have them sit down and review all the graphics. Not only will it help them understand the coverages necessary in each industry, but it will also broaden their knowledge of common insurance terms and concepts.

  Use Clickable Coverage for sales, social media, and more.

How to get Clickable Coverage on your ActiveAgency website.

ActiveAgency clients have access to all Clickable Coverage graphics. You can choose any or all of them depending on your agency’s specialties. We are adding more content all the time and we typically announce newly available graphics via email and social media. When we do, just reach out to let us know you’d like it added to your site and we’ll be happy to get that taken care of for you. Did you happen to notice one above that’s not yet on your site? Not a problem! Just get in touch and we can add it for you at any time.

If you’re not yet an ActiveAgency client and you like what you see, schedule a demo to learn more about this and all the other fantastic features included in ActiveAgency!

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