Abstract: In the present invention, an insurance product, rating system and method generally relates to a rating and pricing system for quantifying the risk that the annual savings will not fall below specified levels associated with implementing and maintaining economic improvements. The product, system and method can be applied to various industries, including, power generation, petro-chemical, manufacturing and refining facilities. Various embodiments disclosed herein relate to a system and method for insuring a minimum return on investment for an insured.

Abstract: Disclosed is a novel system and method that provides real time information to an insurance adjuster. The system obtains information related to an insured item which has an outstanding claim. Information includes the cost to repair a specific item, the salvage value of the item, and the cost to replace the item. The system then compares the information related to the insured item from an economic perspective to determine whether it should be repaired or replaced. Since the system is objective, it reduces the reliance on subjective human factors such as collusion and lack of expertise. As a result, the system reduces the number of fraudulent and inaccurate transactions related to the specific item.

Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch

Abstract: A first amount of insurance may be determined for a first set of at least one insured entities covered under a single insurance policy. Replacement cost factor data relating to the single insurance policy may be received from at least one source. Received replacement cost factor data may be used to determine a first replacement cost for the first set of at least one insured entities covered under the single insurance policy. A determination may be made that the first amount of insurance is greater than the first replacement cost. A first insurance premium may be calculated for the single insurance policy using at least the first amount of insurance and the first replacement cost. The calculated insurance premium may be less than a second insurance premium for a second set of at least one insured entities for which a second amount of insurance and a second replacement cost are both equal to the first amount of insurance.

Abstract: The system is an advanced, web-enabled, clearinghouse that facilitates efficient and effective claim routing, monitoring and report retrieval. A claim status summary is displayed that links directly to a rejected claim listing, wherein each rejected claim listed is a link to associated detailed claim information. The detailed claim information display has fields to edit the associated detailed claim information. During the editing process, a rules verification is performed against the edited claim information to ensure the edit comply with the known rules for the associated payer. Upon successfully completing the rules verification, the edited claim is submitted to a payer.

Abstract: A system and method are provided for determining a composition of a service provider network for providing services according to a workers' compensation insurance plan. The system and method acquires claim information, which describes workers' compensation claims and medical service providers, and determines a metric value for each of the medical service providers, adjusts the metric values, assigns scores based on the adjusted metric values, determines an average of the assigned scores, and generates results data based on the assigned scores. The results data indicates, for each of the medical service providers, whether the medical service provider should be included in the service provider network. The service provider metrics include a metric that relates to an amount paid per claim and a percentage of claims that involved lost time.

Abstract: A system for providing flight accident insurance at low price and fixed coverage comprises means for limiting the number of policies that can be sold on any given flight to not more than a predetermined number. The predetermined number may be 20. The system comprises an input device for receiving information from a traveler and an output device for providing an insurance quote to said traveler.

Abstract: A method of virtually settling insurance claims includes the steps of transmitting notice of damage to property of an insured to an insurer through a computer network and providing a claim assignment from the insurer to an intermediary claim manager through the computer network. The method further includes providing the insured with an application through the computer network from the intermediary claim manager, the application configured to be downloaded on a device of the insured and facilitating the transmission of claim information to the intermediary claim manager through the computer network, transmission of claim information through the computer network to the intermediary claim manager for generating a claim assessment by the intermediary claim manager, the claim assessment including at least one settlement option for the insured; and transmitting the claim assessment through the computer network to the insurer.

Abstract: In various embodiments, a computer-based method may comprise: compiling, by a vendor ranking computer, eligibility rules and vendor statistics regarding vendor eligibility performance; receiving, by the computer, an eligibility request comprising eligibility parameters; querying, by the computer and based upon the eligibility parameters, a vendor database to determine a subset of eligibility vendors; analyzing, by the computer and based upon at least one of the eligibility rules and the vendor statistics, the subset of eligibility vendors; ranking, by the computer and based upon the analyzing, each vendor in the subset of vendors to produce a ranked vendor list; and providing, by the computer, the ranked vendor list to an eligibility system.

Abstract: Accurate, appropriate valuation of the contents of a residence is facilitated based on characteristics of the household and the residence. These factors are used to estimate the proper value of the contents and may be based, at least in part and in various embodiments, on information collected in the course of the insurance underwriting process and from public and non-public consumer spending data.

Abstract: A Group Equity-Indexed Annuity (GEIA) with a guaranteed minimum equity related return for a set of individuals are provided. An algorithm sets a “participation rate” of a GEIA contract as well as the carrier margin, risk and opportunity for recovery. The carrier is held accountable to the participation rate produced by the model investment portfolio in the formula and subject to the guaranteed minimum. The selection of the participation rate is entirely visible to a GEIA contract-holder. A “hedge budget” is based on a formula-driven amortization process that blends old and new money. Underlying assets are also managed to a “constant” duration, such as the duration of a bond index selected by the GEIA contract-holder.

Abstract: A system for preparing vehicle repair estimates and sourcing parts for vehicles includes a processor, a display in communication with the processor, and an input device in communication with the processor. The display is configured to display information generated by the processor, while the input device is configured to receive inputs from a user and transmit the inputs to the processor. The processor is configured to identify records in a first electronic database that relate to a particular vehicle, identify records in a second {or multiple} electronic database relating to a source of parts for the particular vehicle, display a repair estimate illustrating recommended parts and part sources on the display, and receive user input identifying parts other than recommended, or identifying a different source for a recommended part, and automatically updating the estimate and notification of guideline exceptions.

Abstract: Various mechanisms are provided herein for automated institutional processing of payments. For example, fund can be transferred from one party to another party by transfer of funds from a static account into a dynamically created transaction account. Such a transfer can have additional features, including the refunding of the transfer funds and revocation thereof. According to another example, insurance claims can be automatically processed by transferring funds when claims are filed (with or without evidentiary documents). Such transfers can then be validated afterwards. Thus, when claims are received, they can be quickly examined for the relevant fields, such as claim amount, and then the amount can be disbursed in a matter of minutes after receiving a claim submission. Such disbursement, moreover, can be governed according to various heuristics, including the trustworthiness of claimants and rules regarding maximum disbursement amounts.

Abstract: A computer-implemented method for determining payroll related insurance premiums includes receiving at a server computer first payroll data relating to a first employer in a first data format from a first source and second payroll data in a second data format from a second source. At least one of the first source and the second source includes an employer payroll computer system at an employer location. The received data is read and extracted by a utility program at the employer location. The method further includes conditioning the received payroll data into uniform format payroll data; filtering by at least one of the utility program and the server computer the payroll data to remove non-premium related data; applying by inclusion and exclusion rules from a rules engine to determine payroll data items to consider in calculating a payroll-based insurance premium; and calculating payroll-based insurance premiums.

Abstract: Systems, methods and apparatus for electronically verifying vehicle insurance coverage. A plurality of identifiers may be stored along with corresponding vehicle insurance coverage information for each of the identifiers. A query may be received requesting verification whether a vehicle operator has current vehicle insurance coverage. The query may include an identifier associated with the vehicle operator. The vehicle operator's identifier may be compared to the stored identifiers to verify whether the vehicle operator has current automobile insurance coverage. A signal may be communicated to a source of the query indicating a result of the comparison.

Abstract: Systems, computer programs, and methods for controlling ancillary medical costs of a healthcare practice and/or insurance network with a plurality of physicians participating therein, are provided. According to an example method, the steps include identifying one or more a plurality of physicians having ancillary medical costs that exceed a certain level to thereby identify the physician or physicians for behavior modification with respect to ancillary medical costs. The method can also include generating information identifying recommended alternative ancillary medical procedures to modify behavior of a physician or physicians with respect to management of the ancillary medical costs.

Abstract: A method of displaying geohazard information to a user includes providing a computer having a processor and receiving a search query from the user. The method also includes accessing, using the processor, a real estate database, determining, using the processor, a plurality of homes in the real estate database matching the search query, and displaying information related to the plurality of homes to the user. The method further includes accessing, using the processor, a geohazard database, determining, using the processor, one or more geohazards for one or more of the plurality of homes, and displaying information related to the one or more geohazards to the user.

Abstract: A non-transitory computer readable medium having a computer program stored thereon for directing operation of a processor. The computer program receives personal and financial data for a couple; accesses data for a plurality of Social Security claiming strategies for the couple based on the personal and financial data; and illustrates on a graphical display which of the Social Security claiming strategies would provide the maximum present value of benefits for multiple mortality combinations of the couple so that the couple or an advisor for the couple can quickly ascertain which claiming strategy would provide the maximum benefits for a particular mortality combination.

Abstract: Disclosed are systems and methods to transfer a document. The systems and methods provide techniques to provide a secure system coupled to a network, relate a transaction identifier to a transaction, allow a third party access to the secure system to transfer an electronic copy of the document to the secure system and to associate the electronic copy of the document with the transaction identifier, and receive the electronic document file from the third party on the secure system. The transaction may relate to an insurance or financial transaction.

Abstract: Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.

Abstract: A system, method and article of manufacture are provided for account and customer creation in an online banking model. An application is received from a customer. The application includes information relating to the user and also documentation relating to the user. A first computer is utilized to create a profile for the customer based on the application received from the customer. The first computer is also utilized to create an account for the customer. Information relating to the created profile and account is transmitted from the first computer to a second computer where a notification is generated. The notification indicates that the account has been created. The notification is transmitted from the second computer to the customer utilizing a network.

Abstract: A method for providing insurance for tasks comprises identifying a task definition for a task to be performed for a customer. The task has task details associated therewith. A task value is set for the task based on the task details, using a processor. A service provider is assigned to perform the task at the task value, using the processor. A determination is made as to whether the service provider has adequate insurance to cover one or more insurable risks associated with performance of the task. A task insurance rider is requested to be applied to the task in the event the service provider does not have adequate insurance to cover the one or more insurable risks associated with performance of the task.

Abstract: The systems and methods of the invention provide a workflow system for processing a financial application in an automated manner. The workflow system may include an interface portion, the interface portion inputting application information into the workflow system for processing by the workflow system and a workflow looping portion. The workflow looping portion may include performing underwriting processing to effect underwriting of the application based on the application information, performing issue processing to effect issue of the application, and performing settlement processing to effect settlement of the application. A rules logic portion may be provided to control the implementation of rules applied to the processing of the application as the application passes through the automated processing.

Abstract: Systems and methods are disclosed herein for transmitting telematics data from a vehicle. The systems include a smartphone holder that provides a communications link between a smartphone and a vehicle computer, through the smartphone dataport and the vehicle onboard diagnostics (OBD) port. The smartphone holder is configured to keep the smartphone in a stable, known position and orientation with respect to the vehicle, such that data from an accelerometer in the smartphone can be calibrated. The smartphone accelerometer data and telematics data from vehicle telematics sensors is then transmitted via the smartphone or stored locally.

Abstract: A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

Abstract: Systems and methods are disclosed herein for processing a registration request for electronic access to a plurality of computerized insurance services. A network interface is configured to communicate with the plurality of computerized insurance services by interfacing with a plurality of disparate information platforms and communicating with a user computing device. A memory stores a portal module, a profile module, and a security module, each in the form of computer executable instructions, which, when executed by a processor, cause the system to receive a user identity, a registration request of the user identity, and one or more secure information items associated with the user identity from the user computing device, determine a verification score for the user identity based on the one or more secure information items, and selectively register the user identity with a plurality of the computerized insurance services based on the verification score.

Abstract: Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file is received comprising one or more auditable items, each auditable item comprising a word string having one or more words. Each word string for each auditable item is translated using one or more translation steps into a translated item description. Each translated item description is compared to a plurality of terms to generate matching information. Each translated item description is associated with an item identifier based on the matching information. Each auditable item is accepted or rejected based on the item identifier and one or more rules associated with the data file.

Abstract: Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

Abstract: A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. combinations of technologies, employed in existing building structures to a classification, which then permits an underwriter to establish a premium. In another aspect of the invention data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for creating and administering virtual affinity groups are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes receiving, at an insurance processing platform, information identifying at least a first characteristic of a virtual affinity group, receiving, at the insurance processing platform, information identifying at least a first feature of the virtual affinity group and at least a first insurance related benefit to be offered to the virtual affinity group, automatically identifying at least a first individual matching the at least first characteristic, and communicating to the at least first individual information allowing the at least first individual to participate in the virtual affinity group.

Abstract: A computer system accesses payroll-related insurance premium data at an individual employee level and provides the data at the individual employee level, including cost of insurance at the individual employee level, on a client device. A computer system compares stored data with payroll data and identifies employees lacking occupation classification information for payroll-based premium determination. The computer system provides a fillable form on a user device for the user to provide occupation classification data, and receives the occupation classification data. The computer system provides fillable forms on a user device for a user to provide payroll data for receipt by the system, runs business rules on the received payroll data, determines premiums for payroll-based insurance coverage.

Abstract: A variable resolution grid provides a mechanism for focusing specific concentrations of risk exposure on a geographical grid to determine projected loss caused by a particular catastrophe. The geographic grid provides a stable base map by using latitudes and longitudes to define the grid points and cells. Each cell is assigned a geographic identifier or geocode that identifies the location of the cell and its associated resolution. The resolution of the grid may be varied depending in part, on the resolution of any available of hazard data.

Abstract: A system for automating and integrated incident reported with cost recovery comprising: a server having a computer readable medium, processor and in electronic communications with a remote computing device, national fire database, state database of incidents, insurance companies, judicial system, police departments and fire departments; and, a set of server computer readable instructions stored in the server computer readable medium that, when executed by the processor, perform steps of: receiving incident report data from the remote computer device, receiving insurance information from an insurance provider, generating insurance claims, generating at least one incident report according to a predetermined format and the incident data and the insurance data, receiving report approval information from a supervisor, finalizing the incident report, transmitting the incident report to at least one member of a group comprising: national fire reporting system, state incident reporting system, first responding system

Abstract: Methods of performing emergency responder cost recovery are provided in which incident data, individual data and insurance data relating to an incident are electronically received from a remote computing device associated with an emergency responder organization. An incident report is automatically generated based on the received data. The incident report is electronically transmitted to the emergency responder organization. An insurance claim is generated based on the received data, and this insurance claim is electronically transmitted to an insurance carrier.

Abstract: Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.

Abstract: According to some embodiments, a workers' compensation insurance premium may be calculated for a workers' compensation insurance policy covering a group of employees employed by an employer. Moreover, supplemental bundled insurance premiums may be calculated for each employee to provide individual, supplemental bundled insurance policies. The supplemental bundled insurance premiums may be contingent upon the employer's agreement to pay the workers' compensation insurance premium. By way of examples, the supplemental bundled insurance policies might be associated with one or more of short term disability insurance, long term disability insurance, accidental death insurance, accidental disability insurance and/or hospital accident insurance.

Abstract: A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical entity data and insurance coverage package data. A recommendation engine comprising program instructions stored in a program memory receives current entity data, creates a current entity representative record based on the received current entity data and historical entity data, creates one or more historical entity representative records for each of a plurality of insurance coverage packages, identifies one of the historical entity representative records based on the current entity representative record, identifies one or more of the plurality of insurance coverage packages based on the identified historical entity representative record, and presents the identified one or more insurance coverage packages when executed by a computer processor.

Abstract: A computerized method and system for providing a flexible income annuity includes inputting a plurality of premium payments for the income annuity from an investor, the flexible premium payments being received on different dates. The computerized method and system further includes computationally aggregating income benefits from the one or more investment vehicles of the income annuity where the income benefits are associated with premium payments received on different dates. The method and system further includes calculating an income payment based the aggregated income benefits and outputting the income payments to a payee on one or more selected disbursement dates. Therefore, the investor is provided the flexibility to make premium payments for the income annuity on varying dates.

Abstract: Systems, methods, and computer program products are provided for presenting value exchange in conjunction with financial solution recommendations or offers. The value component, is not limited to monetary value but may, in specific embodiments, also include, convenience value, emotional value or the like. The value component allows the customer to make informed decisions on which financial solution recommendations or offers to select. Further, the value component may be uniquely and dynamically customized (i.e., determined on-the-fly) for the customer based on inputs received from the customer and/or customer profile data. In addition, the value component may reflect average value realized for the demographic group applicable to the customer.

Abstract: A system and method for processing insurance claims using a set of adjudication rules. The method and system comprises receiving a claim for processing, such that the received claim having claim content including a claim date. Also provided is a database configured for accessing the set of adjudication rules appropriate to the received claim, the set of adjudication rules structured in containers including a primary rule container and secondary rule containers, each of the secondary rule containers being coupled to the primary rule container by a respective container reference, each of the secondary rule containers containing one or more adjudication rules adapted for processing the claim content of the received claim, each of the one or more adjudication rules being coupled to their respective secondary container by a respective rule reference, the set of adjudication rules defining a rule hierarchy.

Abstract: The present disclosure includes a method and system for detecting a change in circumstances of a customer and for proactively providing a response thereto, such as insurance quotes and/or coverage changes, to the customer and/or to one or more dependents of the customer. The customer may also initiate and accept an insurance quote for the dependent, and the dependent may initiate and accept an insurance quote on his/her own behalf. The insurance company may utilize data known to the company, or provided by an existing dependent of the customer, to communicate the response to the customer. The response may be communicated independently of a direct request from the dependents. Other dependents of the customer may also receive communications and provide authorization to change an existing policy. The response may also be communicated to a batch of customers meeting certain common criteria, independent of a direct customer request.

Abstract: A method and apparatus for automatically evaluating financing plans are presented. In one embodiment, a method for automatically evaluating financing plans comprises receiving an input message comprising base data; selecting one of a plurality of financing plans in accordance with the base data and data defining the plurality of financing plans; determining values of one or more terms associated with the selected financing plan; and generating an output message including the determined values of the one or more terms.

Abstract: Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider.

Abstract: A future cost of retirement index is used to quantify the present value of future income. The future cost of retirement index provides a way for an investor to quantify the present cost of funding a secure future income for retirement. Upon establishing a cost of retirement index that quantifies a present value of future estimated investment returns, an investment funds track the index. This permits an investor to accumulate funds that approximate an amount needed to purchase, at a future time, a defined income stream for life. Because the future cost of retirement index fund is not itself an annuity, but is merely a tool that can be used to acquire sufficient assets to purchase an annuity, a future cost of retirement index fund facilitates retirement planning while also preserving asset liquidity.

Abstract: Systems and methods for verifying insurance coverage are provided. A method may include registering data for one or more users, the data including information designating one or more insurance providers for the users. The method may further include transmitting, via a communications network, an insurance verification request to the designated insurance providers, the insurance verification indicating one or more insurance requirements for the user. The communications network may be the internet. A response to the insurance verification request from the designated insurance providers may be received via the communications network. The response may indicate whether insurance associated with the user complies with the one or more insurance requirements. One or more notifications regarding whether the insurance associated with the user complies with the one or more insurance requirements may be transmitted.

Abstract: A method for providing insurance underwriting using user-centric data includes receiving data reported from an application running on a telematics unit or a mobile device, matching the received data to known locations, and generating a score based on the reported data and the matched data. The reported data and the matched data are used to determine miles traveled. A valid trip is determined. A valid driver is determined to associate with the valid trip. A sum of valid trips is determined over a period of time. Location data for the mobile device or the telematics unit is determined. The location data is determined using network-based resources. The location data is determined using the mobile device or the telematics unit. The location data can be determined using a combination of network-based resources and the mobile device or the telematics unit. A change in location is categorized into a trip signature.

Abstract: A shipping insurance service application has an electronic marketplace platform interface, a shipping insurance module, and an insurance provider module. The electronic marketplace platform interface communicates with at least one electronic marketplace application. The shipping insurance module provides a shipping insurance policy to a seller of the corresponding electronic marketplace application and processes a claim from the seller of the corresponding electronic marketplace application based on the shipping insurance policy. The carrier module obtains the shipping insurance policy from an insurance provider among a plurality of insurance providers.

Abstract: A shipping insurance service application has an electronic marketplace platform interface, a shipping insurance module, and an insurance provider module. The electronic marketplace platform interface communicates with at least one electronic marketplace application. The shipping insurance module provides a shipping insurance policy to a seller of the corresponding electronic marketplace application and processes a claim from the seller of the corresponding electronic marketplace application based on the shipping insurance policy. The carrier module obtains the shipping insurance policy from an insurance provider among a plurality of insurance providers.