A method comprising the steps of:
- a) providing an insurance portfolio data management system comprising a structured database containing property and casualty insurance data for insurance customers, the insurance portfolio data management system configured to electronically communicate with a handheld mobile computing device and a multiplicity of underwriter computers, each of the multiplicity of underwriter computers having a particular standardized underwriting data requirement;
- b) providing said handheld mobile computing device comprising a display providing a user interface, a global positioning device that creates geocodes and time and date stamps corresponding to a location of the handheld mobile computing device and one or more master forms displayable on the display of the handheld mobile computing device for entering property and casualty insurance underwriting data in a variety of prompted fields, said master forms prompting the entry of data comprehensive of particular standardized data requirements for multiple underwriters;
- c) using identification indicia of a licensed insurance agent to verify that the licensed insurance agent or assistant is present with the handheld mobile device;
- d) entering data through the user interface into prompted fields on the one or more master forms on the display of said handheld mobile computing device;
- e) associating a geocode and time and date stamp created by said global positioning device of the handheld mobile computing device with the data entered through the user interface into prompted fields on the one or more master forms on the display of said handheld mobile computing device to create a geocoded and time and date stamped record of underwriting data including the data entered through the user interface which is geocoded and time stamped;
- f) associating said identification indicia of said licensed insurance agent entered into said handheld mobile computing device with the geocoded and time and date stamped record of underwriting data;
- g) after step f), uploading the geocoded and time and date stamped record of underwriting data for the respective customer with the identification of the licensed insurance agent associated therewith to the insurance portfolio data management system;
- h) automatically creating with the insurance portfolio data management system one or more underwriter specific standardized files, each underwriter specific standardized file having a particularized format satisfying said particular standardized data requirements for the respective underwriter computer, from some or all of the geocoded and time and date stamped record of underwriting data, with the identification of the licensed insurance agent associated therewith;
- i) electronically transmitting from the insurance portfolio data management system at least one of the underwriter specific standardized files to at least one of the multiplicity of underwriter computers having the same particular standardized underwriting data requirement as the electronically transmitted underwriter specific standardized file;
- j) determining via electronic interactions between the insurance portfolio data management system, the handheld mobile computing device and at least one underwriter computer whether to provide supplemental underwriting data to the respective underwriter computer in addition to the respective transmitted underwriter specific standardized file;
- k) if it is determined to provide supplemental underwriting data to the respective underwriter computer, entering supplemental underwriting data through the interface of the handheld mobile computing device to supplement the geocoded and time and date stamped record of underwriting data for the respective customer, associating a geocode and time and date stamp created by said global positioning device of the handheld mobile computing device with the entered supplemental underwriting data;
- uploading from said handheld mobile computing device the geocoded and time and date stamped supplemental underwriting data to the insurance portfolio data management system as part of the respective record of underwriting data;
- and providing from the insurance portfolio data management system the geocoded and time and date stamped supplemental underwriting data to the respective underwriter computer;
- and
- l) Receiving electronically at least one quote on the handheld mobile computing device that is unique to an individual consumer risk profile for the respective customer.