In order to complete their bound policy, every new policy must e-sign the following required documents:
- Terms of Service (Welcome Agreement)
- Paperless Billing Policy
- Auto Pay Policy
Any additional post-bind documents, such as the Excluded Driver Form (if applicable) will be sent in separate emails for e-signature.
The email(s) will be automatically sent to the customer within minutes of binding the policy. Advise customers to e-sign all documents as soon as possible.
You can track signature status in the Clearcover Portal on the customer's specific policy page.
Note: Other than setting customers' expectations that they must electronically sign their documents, you do not need to take action. Clearcover does not accept wet signatures on these documents.
Follow Up on Signatures:
We will monitor the status of all document signatures and follow up with customers as necessary, but if a customer does not sign their documents, we must cancel their policy.
How customers e-Sign:
eSigning is easy and customers can do so from their phone, desktop, tablet etc! If customers need assistance, here are the steps:
- Open the email from Dropbox Sign
2. Click Review & Sign
3. In the upper right-hand corner, click Get Started
4. In the middle of the page, select the Click to Sign box with a red star next to it
5. Choose whether to draw or type your signature
6. Click Insert
7. Make sure the green bar at the top of the page indicates that you've signed all of the required fields and then click the Continue button in the upper right-hand corner
8. Read the statement and select I Agree to finish signing your document(s)
Once a customer has completed these steps, their documents will be signed and they will receive an email with their copy.
Enhancements to our New Business Signature Process
*This enhancement is currently only available in IL, MO, GA and AZ.
Agents will now have the ability to send signature documents to customers before the policy bind. This enhancement allows customers to sign their documents promptly, minimizing the risk of coverage changes to their policies.
Clearcover Insurance Company is excited to announce significant updates to the purchase screen, aimed at enhancing the signature workflow for applications and policies sold through agent channels. These updates introduce new features to streamline the process, ensuring customers can sign documents promptly and conveniently.
Key Changes to the Purchase Screen
- Pre-Purchase Signature Packet Sending:
- Agents can now send the signature packet to customers before the policy is bound. This allows customers to sign their documents as soon as possible, helping to avoid any coverage changes to the policy.
- Text Message Option for Signature Packets:
- Applicants now have the option to receive their first signature packet via text message, in addition to email. This provides an additional layer of convenience for customers who prefer text communication.
Importance of Accurate Contact Information
To ensure the seamless delivery of signature packets, it is crucial to have accurate contact information for the customer. Here's what you need to know:
- Phone Number: For sending the signature packet via text, a mobile phone number is required. Agents can edit this number directly on the purchase screen without navigating away.
- Email Address: Similarly, the email address can be edited on the purchase screen to ensure the correct delivery of the signature packet.
- Primary Address: Changing the primary address could impact the premium. If it needs to be changed, agents should go to the summary screen to make this adjustment.
The bottom half of the purchase screen has also been updated to include:
- eSignature Required Disclosure:
- This section explains what eSignature is and outlines the consequences if a signature is not received.
- Text Message Delivery Option:
- Customers can choose whether they would like to receive their initial signature packet via text message. If selected, the packet will be sent via both text and email, with reminder emails following.
- Opting Out: If the customer opts out of text message delivery and does not sign the signature packet by the policy effective date, a hard copy will be sent via USPS if not signed by the policy effective date. This hard copy will include instructions to electronically sign the packet via email, ensuring the customer still has a digital option.
Process for Sending the Signature Packet
- Initiating the Send:
- Agents can initiate the sending of the signature packet by clicking the ‘Send E-Signature Packet’ button.
- Note: There may be a slight delay in the customer receiving the packet as it is sent via a third-party service provider.
- Purchase Policy: The policy can be purchased even if the signature packet has not yet been signed, but it must be sent.
Completing the Purchase
To finalize the purchase, agents must:
- Review Confirmations and Terms of Service:
- Agents need to review and agree to the confirmations and Clearcover Terms of Service.
- Acceptance of all three conditions is required to complete the policy purchase.
These updates are designed to make the process smoother and more efficient, benefiting both agents and customers. By leveraging these new features, Clearcover aims to provide a more responsive and customer-friendly experience.