10 Tasks an Unlicensed Hire Can Do for You in 2024

As the owner of an insurance agency, it’s essential to understand what tasks unlicensed employees can perform. Outsourcing your insurance business’ back-office saves time and money by allowing you to focus on what you do best and give your licensed staff the flexibility and support they need. You’d be surprised as to how much a non-licensed team can do for your agency:

1. Policy Delivery: Emailing policies to the insured.
2. Policy Renewals: Renewing the policy in AMS updates policy terms, premiums and rates.
3. Downloads: Syncing automatic downloads to the system if they get caught in limbo.
4. ID Cards: Issuing auto ID cards or providing proof of coverage for the DMV or insured.
5. Notice of Cancellation: Email notice to the insured and check the status on the carrier’s website.
6. Claim Notices: Adding and updating claim information in the agency management system based on claim notices from the carrier.
7. Quality Control Audits: Review files to make sure correct procedures are being followed.
8. Certificates: Creating holders, adding coverage details to match requirements, sending competed certificates with needed endorsements to the requestor.
9. Endorsement Requests: If we received an endorsement or change request from the Insured the CSR will endorse it online/via email to the carrier and endorse/revise the policy in the agency management system.
10. Commission Statements: Updating agency management system by applying commission information and adjusting commissions.

Here’s another breakdown of permissible activities for unlicensed customer service representatives (CSRs) and other unlicensed employees in the insurance industry:

1. Answering Phones: Unlicensed employees can handle incoming calls from clients and prospects.
2. Scheduling Appointments: They can schedule appointments, provided there is no discussion about insurance coverage, cost, or related issues.
3. Maintaining Files and Records: Unlicensed staff can organize and manage agency files and records.
4. Referring Prospects or Customers: When appropriate, unlicensed employees can refer prospects or customers to licensed agents or sales producers.
5. Word Processing and Data Entry: Administrative tasks like word processing and data entry are permissible.
6. Assisting with Advertising and Mailing Campaigns: Unlicensed employees can contribute to marketing efforts.

However, there are limitations:

• No Solicitation, Negotiation, or Sale of Insurance: Unlicensed employees should never engage in soliciting, negotiating, or selling insurance.
• No Commission-Based Compensation: They must not receive commissions directly tied to insurance sales.

Benefits of Hiring an Outsourced Insurance Back Office Provider for your Insurance Agency

A back-office provider can help you scale your company and provide services to a larger number of customers. They can also help in increasing the efficiency of your team by handling administrative tasks.

Hiring an outsourced insurance agency back-office provider has many benefits. Let’s take a look at the top 5 benefits of hiring them:

• Access to qualified staff – The days of hiring and re-hiring are behind you. With Staff Boom, we provide talent that becomes a vital piece of your team, and in the case that you need more support, expanding and growing your team is as easy as letting us know.
• Cost-effectiveness – By converting two positions to Staff Boom, you are saving up to $40,000 annually, and the savings only go up from there. We provide full transparency in our costs because we are confident in our outsourcing model and pricing.
• Improved customer service – Customer service calls are an important touch point in your business, no matter the line of business you’re selling. We offer a variety of customer service outsourcing solutions to help you improve your relationships with clients, without sacrificing the time of your licensed staff.
• Automation of routine tasks – Certificates, renewals, and quality control, just to name a few, are all repetitive and time-consuming. With the help of an insurance outsourcing partner, you can automate these to give responses to the client faster and still have your licensed staff focused on selling.
• Increased productivity – With all of this support in repetitive tasks, your licensed agents are no longer splitting their time between the tasks that make a sale and the nitty-gritty required in the background. Outsourcing these tasks give them flexibility in their day, overall increasing their productivity.

Choosing the Right Outsourcing Partner

We are professionals with insurance experience who will streamline your operations and create a committed team for you to carry out all your back-office duties. For half the price of a $15 per hour CA employee, Staff Boom can build you a team.

We will carefully choose your team and give them the training they need to perform the numerous tasks, allowing you to add time back to your licensed agents’ day. By deciding on Staff Boom, you can be confident that you will have the assistance you require without having to spend a fortune.

Joe Overley

Director of Sales

Joe Overley is a Director of Sales at Staff Boom. Joe is an accomplished executive who possesses exceptional leadership skills and a proven track record in sales. He has a unique ability to establish strong relationships with people and inspires and motivates them to improve their relationships, sales, training, and knowledge. Joe’s unwavering commitment to success and his approach to staff training and development enabled him to achieve rapid advancement in the insurance industry. In his previous job, Joe was promoted to the district manager position within the first year of joining the company and subsequently became a regional sales manager, ultimately attaining the Vice President role within five years. Joe was responsible for several critical functions, including developing the sales process, sales training, and management development. He also oversaw the organic expansion of brick-and-mortar offices, the web sales environment, the agency call center, and quality control procedures for Northern California and Nevada.

E: joverley@staffboom.com T: (916) 886-4241