Top Online Offerings: P&C Insurers Edition

Corporate Insight announced its 2012 Monitor Award winners, which recognize the best and most innovative financial services firms for their success in specific categories of the online user experience (e.g., Public Homepage, Private Homepage, Auto Quote Tools, Find an Agent Tools, etc.).

Eleven insurers were recognized in the P&C insurance industry, which was one the seven financial services industries covered: annuity, banking, brokerage, credit card, mutual fund, and P&C and life insurance.

Using pre-defined, objective grading criteria, each industry-specific Monitor team grades every firm’s key online features, identifying those that provide the best features to their clients.

Gold Monitor Awards are presented for site features that meet or exceed all of the specific criteria Corporate Insight establish in each category. Website offerings that provide good value but suffer from a few small flaws earn a Silver Monitor. Finally, for offerings that are imperfect yet offer discernible value to users, they awarded a Bronze Monitor. There can be more than one Gold awarded in a single category, highlighting where the industry is succeeding and where it is failing.

The following is a list of the nine categories selected for evaluation due to their importance on P&C insurers’ public and private websites and the winners of the categories. For more details about the Gold winners, click through our slideshow here. To find out which firms were recognized in the life industry, click here.

 

Public Homepage

Insurers were evaluated from the customers’ perspective, and on the basis of including detailed policy information, marketing campaigns and customer service links in a well-organized format.

  • Gold – Liberty Mutual
  • Silver – Allstate and Amica
  • Bronze – GEICO, Nationwide and USAA

 
Private Homepage

Insurers were evaluated on account details, tools and features available on the client homepage. This category also looks at organization, promotional imagery and the ease of login for clients.

  • Gold – Amica
  • Silver – State Farm
  • Bronze – Allstate and Geico

 
Public Site Navigation

Insurers were evaluated both the main and secondary navigation menus by consistency and ease of use. We also look for supplementary navigational features, such as breadcrumbs, overview pages and quicklinks.

  • Gold – Liberty Mutual
  • Silver – State Farm
  • Bronze – Allstate

 
Auto Quote Tools

Insurers’ auto quote tools were evaluated by looking at the depth of the data collected and the presentation of results. Corporate Insight also graded firms on the way they promote quote tools throughout the site, the quality of insurance recommendations and the ability for users to save their progress.

  • Gold – Allstate
  • Silver – Liberty Mutual
  • Bronze – Progressive and State Farm

 
Find an Agent Tools

Corporate Insight graded firms by search criteria (name/location), features that narrow a search, such as the language the agent speaks, and results, including information about the agent and mapping features.

  • Gold – Allstate
  • Silver – State Farm
  • Bronze – Liberty Mutual

 
Login Security

Insurers were evaluated based on the measures they take to protect clients from account security breaches, identity theft and online scams such as phishing attacks.

  • Gold – USAA
  • Silver – Amica
  • Bronze – Nationwide and State Farm

 
Safety Resources

This category identifies firms that offer safety resources for both homeowners and drivers, offering a wide selection of topics in various formats (i.e., articles, games, checklists or quizzes).

  • Gold – Travelers
  • Silver – State Farm
  • Bronze – Allstate

 
Product Information

Insurers were evaluated the product pages on public sites for homeowners and auto insurance, specifically the accessibility, types of resources and content quality. Corporate Insight focused on homeowners insurance, but required consistency in layout and navigation among core insurance products.

  • Gold – Liberty Mutual
  • Silver – Allstate and Travelers
  • Bronze – The Hartford

 
Client Account Information

This category examines the information available to clients on the private site, including transaction capabilities and history, documents, coverage details and the ability to change personal and login information.

  • Gold – Progressive
  • Silver – Esurance
  • Bronze – Allstate and USAA
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