Value to Insurance Underwriters:

The Register Reply feature of the Registered E-mail® service lets organizations cut time by moving the entire claims process to e-mail.

Cut turnaround time on claims processing -- Insurance agencies are rated by this metric. The faster a claim is paid, the industry data shows, generally the lower the payout.

Registered E-mail® services let organizations reduce cost by moving more from paper to electronic when there is a: Regulatory requirement to act on a underwriting / settlement / binding actions involving notification, where there is a penalty or liability where someone can successfully argue non-receipt. Mandated notification process where notice is time-sensitive and legal proof of notification is needed. Contractual rule or regulated requirement to provide notice of contract changes, terminations, etc.

Without RPost Registered E-mail® services, you cannot prove that an e-mail was sent. The fact that the message is in your “sent” folder proves nothing. You cannot prove when your e-mail was sent. That time and date on the copy you save are legally meaningless. You cannot prove that your e-mail was delivered. Anyone can say, “I didn’t get the message.” Legally, Post Office mail is presumed to be delivered if sent; not e-mail. Those receipts you get from your e-mail program are legally meaningless. Many corporations routinely destroy all records of received e-mail every few weeks to make it impossible for you to prove what you’ve sent them even if you have a court order.

How Insurance Brokers & Agents Protect Themselves & Their Clients With Registered E-Mail® services

Commercial Insurance brokers, like other business service sectors, are frequently asked to prove they have acted responsibly, completely, and with appropriate speed to protect clients from risks, and they face exposure to Errors and Omissions (E&O) liabilities if they do not.

For this reason, the Council of Insurance Agents and Brokers (CIAB), the leading association of the larger insurance agencies, has endorsed the RPost Registered E-mail service. RPost has polled a few of its insurance agency customers to better understand how, when, and why they use RPost Registered E-mail® services.

"In this day and age of documentation, especially within the insurance industry, it is imperative that all insurance professional subscribe to the RPost® Registered E-mail® service. There have been several occasions over the first year of use, whereas an insurer claims they never received an endorsement, when all I had to do was go to that client's online file and pull up the Registered Receipt™ e-mail to prove confirmation by the insurer. Also, the Registered E-mail® system is a superb tool to use while corresponding with clients for E & O purposes and as a way to confirm that indeed an e-mail did reach and was read by the intended recipient. The RPost® Registered E-mail® system is a must for all insurance professionals!" -- Michael P. Carroll, CEO, The Carroll Companies.

Carroll also notes that "we always use of Registered E-mail® services for communication to insurers and almost always to clients/prospects (the only time we do not is if the correspondence is personal and non business related in nature). The top reason we use the service is to protect from Errors & Omissions liability. We see cost savings by eliminating E & O exposure, deductibles, and rate increases."

Of significant interest is the fact that Carroll states he has "implemented [Registered E-mail] as an office workflow." This effectively automates the sending of Registered E-mail® by policies that the organization sets.

Peter Prinsen, General Counsel at The Graham Company, reports, "as e-mail has become one of our primary forms of communication, I became concerned about our ability to prove that a recipient of an important e-mail actually received it. That led us to look for a method by which we could prove that delivery of an e-mail actually occurred. That led us to RPost. RPost gives us this proof source. It gives us the trail that an e-mail takes. Most importantly, it is easy. It is a second "Send" button in Microsoft Outlook. If we want to send a regular e-mail, we simply send it as we normally would. If we want to use RPost, we hit "Send Registered" rather than "Send". The proof will be when the receipt of one of these e-mails is challenged, but I certainly will feel much better arguing receipt with RPost." -- A. Peter Prinsen, Vice President and General Counsel, The Graham Company Insurance Brokers and Consultants.

Ken Crerar, President of the Council of Insurance Agents and Brokers, notes, "This is a product that will revolutionize how the business of insurance is conducted. In commercial insurance transactions, content and timing are critical. For every Registered E-mail® message sent, a sealed file is generated, documenting the exact content of the message and the precise time it was sent and received. For top brokers, that sealed file gives iron-clad proof of performance - evidence that will hold up in court."

“Recently I requested coverage bound on an account. The underwriter failed to bind the coverage that he received by my e-mail. Because I sent the request using RPost the Registered E-mail® system, I was able to show undeniable proof of delivery and that the e-mail had been opened. I simply forwarded the Registered Receipt™ e-mail to the underwriter’s supervisor and everything was resolved. Had there been a loss and later an E&O lawsuit against me, I would have had irrefutable proof to put into evidence to prove my case. I use the RPost Registered E-mail® service every day.” – Randle M. Frankel, CEO, Frankel & Associates Insurance