Features

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[dot] Expert is a flexible yet easy-to-use system that enables you to manage all aspects of a policy’s lifecycle. And with Mutual Expert’s commitment to provide continual updates to [dot] Expert, the features you see today are not the only ones you’ll have tomorrow.

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What’s in a name?

Mutual Expert’s [dot] Expert is available as a hosted solution, with the URL being your-company-name.mutual.expert. When you are at your [dot] Expert site, the name of the product will be, rather cleverly, hiding in plain sight, tucked away in the browser’s address bar.

But there is more to it than that. If you look at the address again, you will see your company’s name comes first.

For us, that is what is important - that when you go to your [dot] Expert, your company gets top billing, with Mutual Expert right behind you providing the software and support you need to retain and grow your business.

POLICY

The [dot] Expert policy module gives you complete control over policy rating, underwriting and management. The powerful rating engine was engineered to handle both personal and commercial lines of business. It also gives you the flexibility you need to maintain your own insurance products.

  • Configurable underwriting rules, rates, and formulas.
  • Customizable user inbox for company messages and assignments.
  • Complete inspection tracking, from initial request to compliance issues.
  • Third party integrations to simplify processing.
  • Automated processing based on carrier-defined rules.

BILLING

With [dot] Expert, you can reduce your carrier’s operational cost through automation and batch processing. The billing module streamlines the routine process, enabling your billing department to focus on the situations that demand their attention.

  • Company-defined payment plans and fee structures.
  • Transfer money between different accounts and policy periods.
  • Sweep agency and/or policyholder accounts for electronic payments.
  • Integrate with online payment processors.
  • Email billing reminders based on company rules.

CLAIMS

The [dot] Expert claims management module enables your company to track multiple claimants per accident, each with their own reserves and payments. By allowing both agents and policyholders to submit first notices of loss, your company can process claims quickly and, in turn, improve customer service.

  • Built-in diary and reminder system.
  • Complete litigation tracker.
  • Record salvage and subrogation.
  • Track individual coverage and peril items.
  • Issue Loss and LAE payments via check or EFT.

REPORTS

[dot] Expert comes with a comprehensive report library that displays the data you need from all aspects of your business. These reports – from your standard booked premium reports to your more complex reinsurance bordereaux – were developed with the guidance from industry experts.

  • Custom report designer for ad-hoc reporting.
  • Schedule automatic report runs and deliveries.
  • Report data grouping and filtering capabilities.
  • Premium and claim reinsurance reports.
  • Schedule P and loss ratio analysis reports.

Digital Portals

AGENTS

The [dot] Expert agency portal provides your agency force with full quote, bind, and endorsement functionality as determined by carrier-defined rules and agency permissions. With the powerful and flexible agency portal, you can streamline your underwriting process so that your underwriters can focus on the more challenging risks.

  • Electronic signatures with straight-through-processing.
  • Quick quote capability right from the home page.
  • Submit first notices of loss.
  • View reports and dashboards about their book of business.
  • Download policy deliverables, such as declarations and invoices.

 

INSUREDS

The [dot] Expert insured portal provides your customers direct access to their account from any Internet-enabled device. By registering for an account, your customers can view coverage, billing, and claims information for all of their policies. Your customers can also submit FNOLs; make a payment; and even opt into paperless delivery.

  • Enroll in paperless delivery.
  • Make a payment.
  • Submit first notice of loss.
  • View declaration pages and policy forms.
  • View recent billing activity.