Property & Casualty

Property & Casualty distribution models are often agency-centric; the operational challenge is less about complex commission math and more about managing agency relationships at scale.  

Loss ratio, contingent compensation, and other forms of performance-based earnings are where complexity is introduced and is an area well supported within the Evolve platform. These programs create meaningful swings in agency income, making accurate tracking, transparency, and proactive communication critical. EvolveNXT supports structured performance programs with clear reporting, configurable calculations, and targeted notifications—helping carriers explain outcomes, reduce disputes, and improve trust and alignment with their agency partners.

Key Capabilities

Agency Lifecycle & Relationship Management

  • Agency onboarding and contracting workflows
  • Agency hierarchy management (agency groups, branches, relationships)
  • Support for delegated access and role-based permissions (agency heads vs staff)
  • Centralized agency profile and credential tracking

Compensation & Performance Programs

  • Agency-level compensation (e.g., % of premium)
  • Performance-based incentive programs including:
    • Loss ratio bonus programs
    • Contingent commissions and profitability incentives
    • Growth and retention bonuses
  • Configurable calculation logic and reporting to support program transparency

Loss Ratio & Program Transparency

  • Clear visibility into performance drivers and program outcomes
  • Reporting and dashboards for agency earnings and program performance
  • Support for documentation and auditability to reduce disputes

Communication & Agency Support

  • Targeted communications to agencies (by region, tier, program eligibility, etc.)
  • Program updates and performance notifications (including loss ratio status)
  • Agency support workflows including chat and ticket management
  • Improved coordination between carrier agency support teams and agency leadership

Reporting & Insights

  • Program reporting for eligibility, progress, and payouts
  • Analytics on agency performance and incentive outcomes
  • Historical tracking of communications and program changes

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