Executive Summary

I. Introduction
Ease of Doing Business (EDB) as a Strategic Issue
DCC’s Study Methodology and EDB Model
How to Use the Report Data and Charts

II. Key Findings
Primary Conclusions: Industry-Wide Summary, Data, and Analysis
Top Ten Overall EDB IndexSM Carriers for 2007
Industry-Wide Average vs. Top Ten Carriers’ Average EDB IndexSM
Carrier Self-Ratings vs. Agent Ratings

III. EDB Impact: Agents’ Verbatim Comments and DCC Analysis
Introduction
Factor 1: The carrier understands and acts on the needs of agency personnel
(Principals, Producers, Customer Service Reps, and Others)
Factor 2: The carrier is responsive in underwriting
Factor 3: The carrier enables me to quote and issue a policy without rework (once and done)
Factor 4: The carrier is flexible in underwriting
Factor 5: The carrier provides accurate, timely policy services
Factor 6: The carrier provides effective, user-friendly technology
Factor 7: The carrier handles claims promptly
Factor 8: The carrier handles claims fairly
Factor 9: The carrier provides marketing support
Factor 10: The carrier provides insurance expertise and support
Factor 11: The carrier makes it easy for my customer—the policyholder—to do            
business with me

IV. Carrier Benchmark Groups
Introduction
Ten National Carriers
Ten Large Regional Carriers (Direct Written Premium >$1B)
Ten Mid-Sized Regional Carriers (Direct Written Premium < $1B)
Twenty-Five Small Carriers (Direct Written Premium <$250MM)

V. Agent Breakout Groups
Introduction
Demographics
Line of Business
Geography
Respondent Role
Agency Size
Tenured as a Licensed Agent

VI. Top Carriers by EDB Factors
Introduction
Top Ten Carriers Name in Rank Order Based on their EDB IndexSM
Understands and acts on the needs of agency personnel
Is responsive in underwriting
Enables me to quote and issue a policy without re-work (once and done)
Is flexible in underwriting
Provides accurate, timely policy services
Provides effective, user-friendly technology
Handles claims promptly
Handles claims fairly
Provides marketing support
Provides insurance expertise and support
Makes it easy for my customers—the policyholder—to do business with me

VII. Looking Forward: How Carriers can Improve EDB Performance and Market Share
Introduction
Recommendations
Critical Business Performance Questions
Evaluation

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