How Hummel Group Became the First ePayPolicy – AMS360 Integration

by Client Spotlight Series

Hummel Group, Inc. is a regional insurance agency with six offices in Ohio and one in Indiana. The agency offers commercial and personal lines of insurance, health and employee benefits and financial planning and wealth management services. In the commercial insurance sector, the agency writes many lines of business, with specialties in niche markets.

The agency has made a systematic investment in InsurTech for the last 10+ years — always looking for ways to improve processes and efficiency, obtain better reporting and analysis and lead the way on technological innovations in the insurance industry. 

The Demand for Electronic Payments

“Our original goal was to speed up receivables collection,” says Kevin Weaver, Accounting and Bonds manager. “As more insureds started asking about paying electronically or with a credit card, Hummel Group wanted to offer this payment method in a cost-effective and secure way.”

Finding the Right Partner

Kevin and his team started looking for a vendor that could handle the specific needs of agencies, brokers, MGAs and premium finance companies. “We were heavily invested in Vertafore, so we asked them for a recommendation. What stood out about ePayPolicy is that they were one of the first Vertafore “Orange Partners” for electronic payments,” says Kevin.

Integration as Catalyst

At a Vertafore conference, Kevin heard ePayPolicy co-founder Milan Malkani mention that the company was getting “very close” to an integration with Vertafore.

Hummel Group was sold on ePayPolicy, but decided to hold off until the integration with AMS360 was ready for implementation. “We wanted the payment process streamlined and efficient from day one,” Kevin says.

In July 2019 Hummel Group became the first independent agency to integrate ePayPolicy into their AMS360 management system.

How it’s Going

Kevin reports: “For being the first AMS360 integration customer, the integration—for both divisions—went really well. Milan and his team made sure our questions were answered and everything worked to our satisfaction.”

Hummel Group has seen: 

  • Time savings for the agency. “Having our systems tied together saves hours of emails and phone calls from customers and brokers inquiring about their balance due. With a few inputs on the payment screen, all of a customer’s open invoices are populated.”
  • Convenience for their insureds. Kevin says: “We’re constantly asking what we can do to make it easier to do business with us. Electronic payment helps us accomplish that, especially with some of the current challenges accepting cash or checks. Hummel Group promotes digital payment (with payment links) on their website, in email signature blocks, on invoices and email reminders, and also during phone conversations.

Favorite Feature

Along with the Import Deposit feature, Kevin likes Invoice Notifications. The system sends out a reminder email to the insured, clearly branded to the appropriate division (Hummel Group or Energy Risk Advisors), and it includes a payment link. “Invoice Notification is a huge value-added feature,” he says.

Advice to Vertafore Users

Kevin views electronic payment as the way of the future. Many insurance carriers, brokers and MGAs already offer it, and insureds increasingly expect it.

Why ePayPolicy? “They were quick to partner with Vertafore. And they’re always adding new technologies and features—with input from users. Schedule a free demonstration. You will find their system very user-friendly. 

He concludes: “I cannot stress enough how pleasant it is to work with ePayPolicy. Their customer service is friendly, knowledgeable, and has a “can-do” attitude. They stay in close communication with us and provide occasional tips and tricks to make sure we are getting the maximum benefit from their system.

How Digitalization Can Reduce Costs for Agencies

by Business Strategy

The world of insurance is incredibly traditional. At times, this is a good thing. Independent agencies believe in the personal touch, forging deep, lasting relationships with clients. But, in other ways, relying on what’s tried and true is a hindrance, especially when it involves a lack of digitalization.

Many independent agencies are slow to incorporate new technologies. While you don’t necessarily need to embrace every emerging solution that arrives, a lack of digitalization can hold you back. Not only can it cause you to spend more than you need to; it can also mean missing out on revenue-boosting opportunities.

If you are wondering how digitalization can reduce costs and increase revenue, here’s what you need to know.

What Is Digitalization?

Digitalization – also known as digital transformation – is the process of introducing technologies into your business that provide you with new opportunities. This includes capturing cost savings, increasing revenue, or boosting value, all through the use of technology solutions.

While the most obvious incarnation is digitizing paperwork, that only scratches the surface. Digital transformation includes implementations that boost efficiency, accuracy, and profitability through technology.

How Digitalization Reduces Costs and Increases Revenue

Better Customer Experience

Today’s customers don’t just want excellent service; they want convenient solutions. The population gets more tech-savvy by the minute. They rely on technology tools to make their life easier. Whether it’s communicating via chatbot, setting up automatic payments, or gathering information, being able to handle their lives online is a priority.

By embracing digitalization, your independent agency can offer more of what customers are after. It’s a quick way to improve the customer experience. With technology, you can make it easy for them to review their policies, track payment due dates, and pay on time, simplifying their lives as well as yours. That’s all good stuff, and it can help cement your reputation as a tech-savvy provider.

Less Paperwork and Manual Input

Let’s face facts; manual data entry and physical paperwork are tedious to handle. Re-entering information into computer systems takes time – time you could otherwise spend on other activities.

With digitalization, you can reduce the need for cumbersome data entry, relying more on digital forms that customers can complete themselves or scanning technologies that automatically upload the data. Time saved is money saved (or earned), making it worth exploring.

Increased Accessibility

When you embrace digitalization, you have the opportunity to increase your accessibility to critical information. By using cloud technology, you can access your data at any time from nearly anywhere. As long as you have an internet-ready device, you can handle everyday tasks while in the office, on the road, or from home.

Plus, it keeps your data centralized. You’re using one platform no matter where you are, keeping everything consolidated at all times.

Lower E&O Risk

Errors and omissions (E&O) can spell trouble for independent agents. Not only can it mean working with inaccurate information, but it may also lead to E&O claims. Claims of negligence, breach of duty, or similar issues hurt your reputation and bottom line; it’s a double-whammy.

With digitalization, you can reduce E&O risk. You don’t need to enter data from paper records or transcribe conversations. Instead, the tech can do the bulk of the work. All you’ll need to do is a quick review, allowing you to ensure important details are captured, and the highest level of accuracy is achieved in less time.

Independent Agencies: Looking for More Great Tips?

At ePayPolicy, we understand the importance of reaching your peak potential as an independent agency. If you’d like to see more tips about how independent agents can reduce costs and increase revenue with digitalization, we’ve got you covered. Follow us on Facebook for more tidbits, tricks, and insights.

Life in the Fast Lane with Patriotic Insurance Group

by Client Spotlight Series

Rob Bowen likes to get things done right — and done fast. A veteran of the Navy and Fortune 500 financial services companies, Rob founded Patriotic Insurance Group in 2014. By emphasizing service, integrity, accuracy and efficiency, he’s built Patriotic Insurance Group into a beautiful (his term) company in a relatively short time. The agency helps clients in NY, NJ, CT, PA and VA manage their personal and business risks and insurance costs.

One thing Rob does not like is checks. He doesn’t like chasing down clients to get paid, or waiting for checks to arrive in the mail, or sending checks to the broker or carrier and waiting for them to clear.

Introduction to ePayPolicy

About two years ago, Rob was listening to “The Insurance Guys” podcast. Scott and Bradley had Todd Sorrel on, talking (as usual) about speeding up insurance payments. Rob was sold. He gave Todd a call and said, “Sign me up.”

 “I love that it does one thing and does it really well,” Rob says.  He’s a big fan of Insurtech in general, but insists his vendors have an insurance background. They need to “understand my daily pain and talk my language.” He’s wary of companies that try to be a jack of all trades and a master of none. “Stick to your knitting” is the phrase he used. Clearly, he’s happy with the lane we’ve chosen, and the fact that we stay in it!

How Patriotic Insurance Group and their clients benefit

Rob lives by the K.I.S.S. principle. “I send clients a link, they put in their info, and it’s done.” In two years he’s only had one client who struggled with using the payment portal. “I’m transparent that there’s a fee to use the service,” he says. “Some clients pay by credit card because they want the points. If it’s a large payment, I’ll encourage them to go with ACH, which is just $3 per transaction. Clients who use ePayPolicy love it.”

He remembers one client who mistakenly paid the net amount instead of the gross amount of their invoice. But ePayPolicy solves that problem with a customized link that prefills the amount due — no room for human error. It’s also seamless and fast. “I get an email when the money is there. Ninety percent of that money is the carrier’s, not mine. It’s easy to reconcile, and within 24-28 hours, I’m able to pull my commissions out.”

Rob is also big on APIs. His agency is in the process of switching their AMS to HawkSoft. “Once we get the basics and other integrations down, we’ll pull in ePayPolicy. It will make everyone’s life easier.”

Advice to other agencies

“I don’t know why this is a decision point for an agency in 2021,” Rob reasons. “Checks are a pain in the neck. It’s only $20 a month (for the basic subscription). Even if it was $20 per payment, the time you spend chasing down a slow-paying client or waiting for the Post Office these days is worth it. It’s very helpful and saves so much.”

He concludes: “If you do any agency pay, you need to do this. Just get ePayPolicy. I don’t know why you wouldn’t.”

Which ePayPolicy Payment Page is Right for You?

by Digital Payment Processing

Whether you’re new to ePayPolicy or already a client, you may not know that ePayPolicy offers three levels of subscription: basic, custom and integrated. Naturally, the payment page is a central feature (and benefit) of each subscription. The one that’s right for you depends on the level of convenience and functionality you desire.

Basic Payment Page

This subscription lets you accept payments by credit card or ACH. ePayPolicy makes each digital transaction simple and seamless for the payer and for you.

Payer benefits: Your unique URL links directly to your branded payment page. Your client knows immediately they’re in the right place to pay your invoice. And, of course, they appreciate the convenience and security of paying digitally instead of by check.

Team benefits: Manage your account through your own user-friendly dashboard. Not only can you track payments, you can also send funds across the country. Plus, funds get applied to the proper account (trust or operating), so you’re always in compliance. 

New to digital insurance payments and want to make your clients happy fast? Request a demo and sign up now!

Custom Payment Page

As the word implies, this payment page offers you multiple customization options, from color (branding) enhancements to added functionality. For example, you can include graphics to  point to important information on the payment page. You can also (among other things) include your agency’s custom disclaimer at the bottom of the page and write special instructions in the notes field. 

Payer benefits: Easily upload attachments (e.g., documentation) directly to the payment page. Plus, payers can set up recurring payments for policies that require multiple payments.

Team benefits: Add custom fields to collect additional information for your accounting team. 

More client convenience, streamlined receivables and a branding advantage. You get a lot of extras with a custom payment page. It’s a great option, whether you’re just starting out with ePayPolicy or ready for next-level performance. Talk to your Account Manager or email us today at support@epay3.com.

Integrated Payment Page

Chances are you’re using an agency management system that integrates with ePayPolicy (or one that soon will). We partner with today’s most popular AMS providers and are constantly adding new providers to our list of integrations. Why? To make digital payment seamless for everyone involved. An integrated payment page is the ultimate in InsurTech power and efficiency.

Payer benefits: Auto-synched invoices let clients select and pay invoices pulled directly from the management system.

Team benefits: No more duplicate data entry for your accounting team!

Additional, exclusive features are available on an integration-specific basis. Depending on your AMS, these can include automated invoice notifications and auto-payment of multiple due invoices. You can even send commissions and refunds directly through your ePayPolicy dashboard. 

Talk to your Account Manager about integrating ePayPolicy with your AMS, or contact us at support@epay3.com with questions. And if you’re shopping for a new management system, be sure to ask about integration with ePayPolicy!

Service-Driven Agency Takes on Digital Payments

by Uncategorized

Specialty Risk Insurance is a customer service-driven agency with three offices in Missouri, as well as an office in Oklahoma and Texas. They are proud to live in the industries they serve which gives them a unique edge when understanding specific policies and products. Specialty Risk is a full-service agency—insuring everything from agribusiness, construction, livestock, energy/oil, trucking, farm and ranch, and personal lines. Since 2012, they have felt a personal responsibility to make insurance as easy as possible for their customers. 

Decision to Offer Digital Payments 

Kevin Charleston (founder/principal), Robin Smith (account manager), and Denise Kinman (accounting) researched multiple options for digital payments but ultimately decided ePayPolicy was best for their customers. Denise says, “When I realized how easy it was from the customer stand-point, and the fact that ePayPolicy has the strictest data security protocols among payment processors, it was a no-brainer for our agency.” 

For Specialty Risk, customer service is the foundation of the business—their agents are on the road meeting with current and potential clients at their place of business. They are taking payments on the spot, which is where the convenience of digital payments comes in.

When opening their Texas office Kevin says, “We really wanted to streamline and speed up the payment process for them right out of the gate.”  ePayPolicy allowed this to happen with peace of mind from a security standpoint. 

Research and Vendor Selection 

Specialty Risk looked into multiple options for online payment systems, but most fees were “ridiculous.” What sold them on ePayPolicy? Denise shared “Part of our research was looking closely at cybersecurity. We never want to put our customers’ financial integrity at risk. ePayPolicy is PCI level 1 compliant. They purge everything. That was a major deciding factor.” 

The agency has been using the basic payment page from ePayPolicy since 2018 and with the recent implementation of CSR24, they’re excited to set up the integration between the two systems and activate bill pay pay (at no extra costs). 

Experience with ePayPolicy 

The ePayPolicy payment page was set up and Specialty Risk was accepting digital payments from customers in just a few days. Agents and customers all agree “It was way too easy!” 

Specialty Risk Insurance doesn’t push digital payment but rather “gives their customers the option as an alternative to cash or checks. Right now, $1 out of every $7 of customer deposits are digital. Most are ACH, with some debit/credit card usage.” 

Kevin mentioned “With COVID, it’s been invaluable. We have a wide age range of customers, some 70+, and ePayPolicy allows us to serve them without making physical contact. After customers experience the ease of instant payment, they don’t go back.” 

Benefits to the Agency

The Accounting department benefits the most from ePayPolicy, Denise mentions. 

  1. It streamlines the deposit process. “Not having to physically touch every check is helpful. Now we are able to just upload and record the batch on the back side.” 
  2. It speeds up our aged receivable dates. “It is nice to get paid faster, not having to wait days or weeks for payments to arrive by mail.” 
  3. It has decreased expenses for the agency and for customers. “Some customers want to pay by phone, but a wire or ACH transfer can cost anywhere from $30-$40 to send and receive. ePayPolicy has a $3 ACH fee or flat rate for credit card transactions, that is passed along to the customer at the point of payment.”

With customer service at the forefront of what Specialty Risk believes in, they “were worried about losing the personal touch of picking up checks in person. As it turns out, this is simpler for them. Customers appreciate the ease and speed of doing business with us,” says Robin. 

Specialty Risk also serves as a brokerage. “With Livestock Insurance Exchange, ePayPolicy makes payments easier for our brokers too.” 

Advice to Other Agencies 

Kevin, Robin, and Denise agree that offering credit card and ACH payments is a competitive “must,” especially in the age of COVID. “We’re happy to talk to other agencies about the technology we’re using” offers Kevin. “ePayPolicy is perfect for independent insurance agencies because it’s designed for our needs. MAIA recommends them. And we do, too.”

6 Reasons Why Independent Agencies Need a Strong Website

by Business Strategy

Insurance agencies need websites because having an online presence builds trust, explains services, and helps customers find and choose you over competitors. Think of your website as the digital front door to your insurance business. It creates a strong first impression, boosts your visibility online, and gives both new visitors and existing clients a convenient way to learn more, get in touch, or manage their accounts. In this guide, we’ll explore why insurance companies need strong websites and highlight the must-have features to include.

How Websites Help Insurance Companies

Many independent agencies underestimate the role a website plays in attracting and converting customers. Without a strong, modern website, you’re missing out on valuable opportunities to grow your agency and connect with your audience.

 

In a competitive market and a digital-first world, having a strong website helps your insurance company become more accessible, credible, and visible to your target customers. Here are five essential reasons why agencies and brokerages need a website:

1. Boost Brand Visibility and Marketing

Operating without a website is like operating without a sign in front of your office. Without it, many prospective clients won’t know you exist.

 

Today, most people use online search engines to research and compare services. A professional website gives you a competitive edge and ensures your agency shows up in those searches. Additionally, a well-built website unlocks SEO (search engine optimization) opportunities, which helps your site rank higher in search results. That means more visibility, more traffic, and more chances to convert leads into customers before they find your competitors.

 

Plus, if you decide to pursue other online marketing options—Google Ads, Facebook promotions, or email marketing—your agency or brokerage website becomes the hub for those efforts. Unlike a basic social media page, a dedicated site gives you full control over your messaging, branding, and calls to action.

2. Make a Strong First Impression

In many cases, your website is the first interaction a client has with your independent agency. Think of it as your digital handshake: a quick moment to establish trust and showcase professionalism.

 

If your site looks outdated, loads slowly, or lacks clear messaging, visitors may leave before they ever get in touch. But you can attract insurance customers with a well-presented, highly informative website. The exceptional first impression draws them in, and your quality content keeps them engaged longer—increasing the odds that they’ll reach out or move forward as a client.

3. Bolster Your Brand Credibility

In the insurance industry, trust is everything, and not having a website harms your brand credibility. The lack of an online presence may make your independent agency seem outdated or less established in the eyes of prospective clients.Similarly, a poor-quality website harms your reputation. It makes it seem like you don’t care about the details or take your online presence seriously, both of which work against you. Even a simple site—if clean, informative, and secure—signals stability, quality, and care. 

 

Integrating respected industry solutions can also boost your credibility. When you offer convenient services, such as ePayPolicy’s seamless billing experience, you communicate that you are trustworthy and professional. Not only does ePayPolicy make payment simple for your clients, but it makes payments more secure, which can demonstrate your legitimacy.

4. Highlight Your Services and Industry Expertise

Your website is one of your agency’s most powerful tools for communicating with potential clients. It’s a 24/7 resource where you can showcase your services, share your business philosophy, and demonstrate your industry expertise.

 

People may struggle to learn the basics about your agency without a website to reference. And if your site is hard to navigate or missing key information, they may leave before discovering your products and services.

 

By contrast, a well-organized website gives visitors 24/7 access to essential information, including policy offerings, FAQs, staff bios, and testimonials. It positions your agency as transparent, accessible, and ready to help.

5. Help Clients Reach You Anytime, Anywhere

If you don’t have a reliable, easy-to-navigate site, you’re missing out on digital-first prospects who expect convenience at their fingertips. Today’s insurance clients expect to find answers, compare options, and take action online—whether it’s 2 p.m. at their desk or 10 p.m. on the couch. A modern, mobile-friendly website ensures your agency is ready and available when your prospects are.

 

With a strong insurance brokerage website, potential and current clients can:

 

  • Request a quote
  • Review coverage options
  • Submit contact forms
  • Access client portals or resources

 

It’s all about removing friction and making it as simple as possible to do business with your agency.

Essential Insurance Website Features (and How To Improve Yours)

Whether you’re building a site from scratch or updating an outdated one, these features are must-haves for every good insurance agency website. We’ve also included quick improvement tips with web design best practices for agencies that already have a site but want to make it more effective.

Convenience Features: Fast, Intuitive, Mobile-Friendly Design

Your website should load quickly, look great on any device, and be simple to use. Visitors expect a smooth, responsive experience, especially when browsing on phones or tablets.

 

Quick tip: Test your site using Google’s Mobile-Friendly Test and PageSpeed Insights. Clean up cluttered navigation, limit dropdowns, and compress large images to speed up load time.

Trust-Building Features: Testimonials, Security Signals, Team and Company Info

A strong insurance business website builds credibility through real client reviews, clear team and company info, and signs that your site is secure and professional. Make it easy for visitors to reach you and for existing clients to find what they need securely and conveniently.

 

Quick tip: Add updated testimonials, real team photos, and security badges (like HTTPS or payment protection).

Information Features: Services Overviews and Content Resources

Visitors should be able to quickly see what types of insurance you offer and how your agency stands out. Make your site a hub for resources that proactively answer their questions. Providing helpful content keeps visitors on your site longer and boosts your credibility.

 

Quick tip: Write short, scannable descriptions for each service you offer. Make content SEO-friendly by incorporating keywords—such as “independent insurance agency” and “coverage options”—naturally in headlines and page copy.

Conversion Features: Contact Info, Client Tools, Calls to Action (CTAs)

Your site should guide visitors toward key actions—like getting a quote, contacting an agent, or scheduling a consultation. Include phone, email, and a contact form on every page (or in the footer or header). 

 

If you offer a client portal or quote request form, ensure it’s mobile-friendly and prominently placed. Tools like ePayPolicy’s payment page and dashboard allow your agency to accept digital payments quickly and securely on your website.

 

Quick tip: Use bold, consistent CTAs throughout your site. Avoid “Learn More” or other generic language. Instead, try specific phrases, such as “Get a Free Auto Quote” or “Talk to a Local Agent.”

 

At ePayPolicy, we know how important it is for independent insurance agencies to stand out in a competitive market. A strong online presence isn’t about looking good, but about building trust, attracting clients, and streamlining how you do business.


Whether you’re updating your website or looking for tools to modernize your agency, we’re here to help. Schedule a call with our team and discover how ePayPolicy can make your digital presence work harder for you.