HOW TO REFER A CLIENT TO KELLY INSURANCE GROUP
Kelly Insurance Group works with advisors to high-net-worth and public-facing clients through a simple, professional referral process — a warm introduction is all we need to begin. This page explains how the referral process works from introduction through initial review, coverage placement, and ongoing support, so every advisor referral is as smooth and professionally handled as possible.
THE FOUR STEPS FROM INTRODUCTION TO ONGOING SUPPORT — WHAT ADVISORS AND CLIENTS CAN EXPECT.
The referral process begins when an advisor identifies an insurance question or need for a client and makes a simple introduction to Kelly Insurance Group. This can be by email — copying the client and Kelly Insurance Group on a brief message — or by phone. It should include the client's name, the nature of the insurance situation, and any relevant context. We follow up directly with the client within one business day.
After the introduction, Kelly Insurance Group conducts an initial review of the client's insurance situation — through a direct conversation with the client or by reviewing information the advisor provides. We identify the specific need, review any existing coverage that may be relevant, and communicate the initial assessment clearly to both the client and the referring advisor, including a timeline for resolution.
Once the client's insurance need is clearly understood, Kelly Insurance Group resolves it. For contract-driven requirements, this means confirming existing coverage meets the requirement and issuing a certificate. For coverage gaps, this means placing a new policy or updating existing coverage. We communicate the resolution clearly and provide all relevant documentation to the client and advisor.
After the initial need is resolved, Kelly Insurance Group provides ongoing support for the client's insurance program. Annual reviews confirm that the program remains current and adequate as the client's situation evolves. Policy renewals are coordinated to prevent gaps. New coverage needs are addressed as they arise. Urgent requests are handled with fast response. The referring advisor is kept informed of significant program developments.
Kelly Insurance Group communicates with the referring advisor at whatever level is most useful for their specific engagement model. Business managers and family offices who manage the client's complete financial program receive regular updates. Publicists who made a one-time referral for a brand deal requirement receive confirmation of resolution and a brief summary. The communication structure is determined by what the advisor finds most useful and is confirmed at the start of the relationship.
REFERRAL PROCESS OVERVIEW
ADVISORS WHO USE THE KELLY INSURANCE GROUP REFERRAL PROCESS.
Any advisor to high-net-worth or public-facing clients who encounters insurance questions, contract requirements, or coverage gaps in the course of their advisory work can refer clients to Kelly Insurance Group through the same simple process.
- Publicists and PR firms whose clients have brand deal insurance requirements that need fast resolution
- Talent managers and business managers whose clients need comprehensive personal and business insurance coordination
- Estate planning attorneys and transactional attorneys who encounter life insurance or business deal insurance questions
- CPAs and financial advisors who identify personal insurance gaps in client financial profiles
- Family offices providing comprehensive client service that includes insurance program management
- Event producers, security consultants, estate managers, and other advisors whose operational roles create regular insurance coordination needs
SELECT A STEP TO UNDERSTAND EXACTLY HOW THE REFERRAL PROCESS WORKS.
The referral process is designed to be as simple as possible for the referring advisor. A warm introduction is all we need. Understanding each step helps advisors know what to expect.
The referral process begins with a simple introduction. The advisor introduces Kelly Insurance Group to the client by email, phone, or whatever channel the team uses. No forms, no paperwork, no complex handoff required. We follow up directly with the client within one business day and handle the insurance from there.
- Email introduction — the most common and most efficient referral method
- Phone introduction — for urgent situations where speed matters
- What to include — client name, situation, and what the referral is for
- What Kelly Insurance Group does next — follow up directly with the client within one business day
- Advisory team introductions — copying relevant advisors on the introduction
WHAT KELLY INSURANCE GROUP PROVIDES.
THE INTRODUCTION — STEP 1
An introduction by email or phone is all we need. We follow up directly with the client within one business day and take the insurance situation from there — keeping the referring advisor informed at whatever level is most useful for their engagement model.
INITIAL REVIEW AND ASSESSMENT — STEP 2
We review the client's situation, assess the specific insurance need, and communicate clearly on what is required and how quickly it can be resolved — before recommending any specific coverage placement.
COVERAGE PLACEMENT AND RESOLUTION — STEP 3
We place appropriate coverage, issue certificates, update existing policies, or resolve the specific requirement — and provide all relevant documentation to the client and referring advisor with clear confirmation of what has been done.
ONGOING SUPPORT AND ANNUAL REVIEW — STEP 4
After the initial need is resolved, we provide ongoing insurance program support — annual reviews, renewal coordination, new coverage as needed, and responsive handling of urgent requests — for as long as the client relationship continues.
FOUR THINGS ADVISORS SHOULD KNOW BEFORE MAKING A REFERRAL.
A referral made when an insurance need is first identified — at contract review, when a new asset is acquired, when a coverage question first arises — is always easier to resolve than the same referral made the day before a deadline. For contract-driven requirements in particular, early identification allows time for coverage review and placement without the pressure of a pending closing or event.
A common misunderstanding is that a certificate of insurance is an administrative document that can be produced at any time. It is not. A certificate confirms that qualifying coverage is actually in place. If the client does not have qualifying coverage, a certificate cannot be issued. The time to confirm coverage is before the contract is signed, not when the brand manager is asking for the certificate.
After the introduction, Kelly Insurance Group handles the insurance. But the referring advisor remains the client's primary relationship. When new insurance situations arise for the client, the most efficient path is for the advisor to identify the situation and for Kelly Insurance Group to handle the resolution — the same pattern as the initial referral.
Many advisors assume a referral to Kelly Insurance Group covers only one category of insurance. We cover the full range: personal umbrella, high-value home, auto, collections, personal cyber, business liability, workers compensation, life insurance, K&R, aviation, marine, and specialty coverage. One referral relationship covers every coverage category the client may need.
QUESTIONS ADVISORS OFTEN ASK.
How do I refer a client to Kelly Insurance Group?
An introduction by email or phone is all we need. Include the client's name, the nature of the insurance situation, and any relevant context. We follow up directly with the client within one business day and handle the insurance from there.
How quickly will Kelly Insurance Group follow up with my client?
We follow up directly with referred clients within one business day of the introduction. For urgent situations — a certificate needed by end of day, a contract closing tomorrow — contact us directly by phone and identify it as urgent. We prioritize these situations.
Will Kelly Insurance Group try to expand its relationship beyond the insurance?
No. Our role is to handle the insurance — not to expand into the advisor's relationship. After the initial referral, the client remains your client. We serve as the specialist insurance partner within your broader service team.
What types of insurance can Kelly Insurance Group handle for referred clients?
We cover the full range — personal umbrella, high-value home, auto, collections, personal cyber, K&R, business liability, workers compensation, professional liability, life insurance, aviation, marine, and specialty coverage. A single referral relationship covers every coverage category the client may need.
What if the client already has an existing insurance relationship?
We review what is in place, identify any gaps or coverage that does not meet current requirements, and recommend updates or new coverage where needed. We work alongside existing policies and relationships; we do not require the client to transfer all existing coverage to us.
How does Kelly Insurance Group communicate with the referring advisor after the referral?
We communicate at whatever level is most useful for the specific advisor's engagement model — regular updates and copies on significant communications for advisors who manage the full client financial program; summary confirmation for advisors who made a one-time referral for a specific situation. The structure is confirmed at the start of the relationship.
READY TO START?
Tell us about your situation and a member of the team will be in touch.
MAKE THE INTRODUCTION — WE HANDLE EVERYTHING FROM THERE.
Kelly Insurance Group serves as the specialist insurance partner for advisors to high-net-worth and public-facing clients. A warm introduction is all we need — and the referral process is designed to be as simple, fast, and professionally handled as possible.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on many factors, including underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations. Information on this page should not be relied upon as a substitute for reviewing the actual policy language or consulting appropriate professional advisors. Kelly Insurance Group does not employ, supervise, or direct attorneys.