Winning in the Direct Channel

Direct channel sales are dominated by non-standard risks. Robust underwriting rules and procedures are required for success.

New Business Loss Ratio Reduction

46 Point

Continuous Improvement Process to "Crack the Direct Channel Code"

18 Month

Challenge

Carrier Experiencing Loss Ratios of Nearly 110 in its Online-Only Sales Channel.

Solution

Developed, Deployed, Assessed and Refined Multi-Layered Fraud Depth of Defense Program.

Other Case Examples

[How a Top Auto Carrier Turned Its Direct Business Into a Money Maker](/content/case-examples/how-a-top-auto-carrier-turned-its-direct-business-into-a-money-maker/ "How a Top Auto Carrier Turned Its Direct Business Into a Money Maker"/index.html)

[How a Top Auto Carrier Harmonized Underwriting Standards Across Channels and Writing Companies](/content/case-examples/how-a-top-auto-carrier-harmonized-underwriting-standards-across-channels-and-writing-companies/ "How a Top Auto Carrier Harmonized Underwriting Standards Across Channels and Writing Companies"/index.html)

[How a Carrier Eliminated Pre-Existing Damage Claims by Acquiring Vehicle Photos During the Application](/content/case-examples/how-a-carrier-eliminated-pre-existing-damage-claims-by-acquiring-vehicle-photos-during-the-application/ "How a Carrier Eliminated Pre-Existing Damage Claims by Acquiring Vehicle Photos During the Application"/index.html)

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30 minutes

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June 2026