With All Due Respect
Insurance carriers that dont perform top-of-the-(on)line customer service are not just disrespecting their customer base, they are chasing away potential customers, as well.
After examining the Web sites of 70 insurance carriers for the Online Customer Respect re-port, Roger Fairchild, president of the Customer Respect Group (CRG), believes the industry overall is doing a good job with its online presence compared with other industries. He points out much of the Web is changing on a regular basis, though, and that means carriers have to be flexible with their sites.
CRG ranks insurers in six areas and then gives an overall rating. The individual areas include privacy, transparency, principles, responsiveness, simplicity, and attitude. Fairchild thinks the privacy area is one part of the Web that is undergoing a major change. When companies first began offering an online sales function, the fear among users was their private information would somehow end up in the wrong hands. Fairchild says there is less concern today about things such as credit-card account numbers and more of a concern with what companies are doing with the information they collect from and about their customers.
One specific example is the proliferation of spam e-mail. [Spam] is just so irritating, says Fairchild. Every time you give your information to somebody, youre concerned with whether the company is going to give your information to its marketing partners. He reports there are those corporate Web sites that promise users they wont share personal information with anyone but their business partners, and then you can go to another part of the Web site and see a statement that the company doesnt have any control over what its partners do with your information, he says.
The best companies to deal with online are those that indicate to customers they can opt out of sharing information and back up that claim with an e-mail form sent to the user. In every instance where there is information requested, the customer should be able to choose to opt in to share information, says Fairchild. Companies always should present their privacy policy in easy-to-read language. There are valid reasons for companies to share informationsome reasons are helpful to consumersbut customers should have the opportunity to opt in, he maintains.
In the area of responsiveness, Fairchild points out if someone goes online to seek information about a business, it is fair to conclude the user would like to continue communicating online. Having an online form for customers is just one step, though. It has to be simple, and that means fewer required fields. If you ask your customer for lots of information, its always helpful if you tell the customer what information is mandatory, says Fairchild. Preferably, the forms would ask for very minimal informationfirst and last names, an e-mail address, and a comment field.
If companies are going to ask for personal information, they should use that information by personalizing further communication when contacting the customer, otherwise customers will begin to wonder why the company bothered asking, according to Fairchild.
Simplicity also is a key for a successful Web site. Fairchild believes that can range from an easy-to-understand privacy policy to options such as a site map, a keyword search function, and the ability to get whatever information a user needs in one or two clicks. ROBERT REGIS HYLE
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.