Bridging & Rating

Do you wish you had more time every day to tackle your workload? Are you tired of a disjointed workflow that requires you to constantly switch between your agency management system and carrier websites? Bridging and Real Time Comparative Rating are two digital tools that can solve these problems by saving you time, key strokes and that streamline the quoting process. They provide a more continuous workflow and most importantly they are easy to use.

But many agents are not taking advantage. According to the Insurance Digital Transformation Survey, only 6% of agents bridge to carrier portals with over half electing to quote directly from carrier portals. And less than half of respondents start rating and quoting personal lines in comparative raters. This means many agents are wasting valuable time reentering data into multiple systems. Here is how bridging and rating can improve your quoting process.

Save Time and Key Strokes with Bridging:

Bridging expedites the quoting process for a specific carrier. The agent can start the quote in their agency management system and then bridge the data previously entered to the carrier portal where they can complete the quote - eliminating the need to reenter the client's coverage information. The process is simple. The carrier provides the agent with an HTML link (which has the agent's credentials embedded so there is no need to sign on). The link automatically launches the agent into the carrier website. They are dropped directly into the quote which already has the bridged information from the agency management system and is ready to be completed.

Get the Full Picture Fast with Rating:

Real Time Comparative Rating allows agents to quote in real time from multiple carriers. It is available for both commercial and personal lines. Like bridging, it saves agents time by eliminating the need to re-key data, as well as the time spent visiting multiple carrier websites. Many agency management system providers and insurance technology companies offer comparative raters that provide accurate quotes from multiple carriers. Ask your system and vendor partners if they offer this capability.

Here is some information about comparative raters from IDR sponsors:

Carriers that need assistance connecting with the raters can investigate:

Working Together to Improve Functionality

Many carriers offer bridging and rating, so check with your carrier representatives if you are not sure. If they do not offer this tool, tell them you need this functionality and that it will benefit both your and their businesses:

  • It will improve the workflow between your agency and their company.
  • It could also lead them to being a "carrier of choice" at your agency since they can respond to your customers' requests quickly.

If your carriers already offer bridging and rating, keep the communication lines open and provide feedback on how they can improve the process. Some agents complain about too much variation between different carriers, too many carrier specific questions, not enough data pre-fill, and inconsistent error handling. While these are all situations that need to be addressed, open communication is required to solve the problems. Let your partners know how they can improve their bridging and rating tools to make it easier for you and to make it more efficient for your customers.


For additional information:

ACT's Carrier Bridging Best Practices: Based on the "best practices" from the top carriers who have implemented Bridging functionality for Small Commercial Lines, these are recommendations on how carriers can improve their Bridging functionality to help agents receive fast and accurate quotes.

Commercial Real Time Rating: How agents and carriers can implement commercial lines real-time rating.

IIABA's Statement on Real-Time Multiple Company Rating: How real-time multiple company rating can improve your agency.

The Value of a Comparative Rater: The benefits of comparative rating for all key stakeholders.

Comparative Raters Aren't the Enemy: Benefits of comparative rating for all key stakeholders

To hear from users who help other users: