I have worked in both underwriting and claims. This company would be better off without agents and their equally incompetent staff members.
When it comes to writing insurance agents do not know the policy or the product we expect them to sell.
They are constantly putting SF on business that is ineligible. They stay writing policies incorrectly and under-insuring people’s property.
In claims we deal with them throwing us under the bus when we RIGHTLY deny an ineligible claim. They stay telling customers information that is completely false and outside of their policy. I’m convinced some of them are taking kickbacks from contractors who they conveniently keep a list of and refer customers to whenever a claim occurs.
In underwriting they are either putting us on ineligible business (and many do this willfully), putting discounts on applications that are ineligible, or they are crying to underwriting to “fix” a policy after a customer has a claim but doesn’t have coverage because someone in the agent’s office didn’t write proper coverage.
Not to mention many of them are flat out bigots with personality, morality, and integrity issues.
I don’t understand why we insist on keeping agents around. Their “job” can be done via a call center or an app.
Millennials and Gen Z are the digital generations who are not interested in stepping into an agent’s office to get insurance…not when they can get it via a website, app, or via the telephone.
Boomers are dying off. If seems to me SF should move to pivot away from agents as I believe they will become increasingly obsolete.
So, why not cut the cord? The money we pay agents can be better allocated to other departments.