SYSTEMS AND METHODS FOR DETERMINING OPTIONAL INSURANCE COVERAGES
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United States of America Patent
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Issued Date -
Jan 10, 2013
app pub date -
Jul 8, 2011
filing date -
Jul 8, 2011
priority date (Note) -
Abandoned
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Abstract
Exemplary embodiments automatically determine and present optional insurance coverages that may be added to a base insurance coverage based on relevant characteristics of the customer. Relevant characteristics may include the characteristics of the customer's business operations. In various embodiments, optional coverages may be chosen to be similar to the optional coverages historically purchased by insured customers that have similar characteristics to the current customer, (e.g., similar business operations and risk profiles). In some embodiments, the automatic determination of optional coverages may also, or alternatively, be conditioned on the business objectives and policies of the company offering the insurance and/or on customer or user feedback regarding previously offered optional coverages.
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