What A Trusted Insurance Partner Looks Like
People buy insurance to protect their family and financial assets from a loss. So when a loss occurs, most people expect their insurance to step up and take care of the issue. Understanding insurance and the process involved in designing a policy can help prevent a standard claim from turning into a disaster.
Difference Between An Insurance Agent And A Trusted Insurance Partner
An insurance agent sells you a policy. A trusted insurance partner is someone who will help you understand how insurance works and helps you to design a personal insurance program design for your individual needs.
There Is More Than Just Coverage
Every insurance policy offers basic coverage like coverage for your home and personal property. A trusted insurance partner will go beyond this and counsel you on how much coverage limits you may need and the benefits of modifying deductibles based on your financial capabilities.
The Importance Of A Deductible And Limit Review
Your policy has coverage limits and deductible that will apply to each loss or claim. We can help you understand how these work and the value to you of adjusting these based on your individual needs.
For example, if you have a higher net worth, it might make more sense for you to increase your deductible to take advantage of lower premiums. You may be in a financial position to take more to control long term costs. If you have less cash on hand, then having lower deductible can offer the advantage of less out of pocket expense in the event of a loss.
Your agent can build an insurance program that provides sound insurance and risk management that adds value. And in the long run, value is much better than a low price.
We are prepared to help you manage all your business risks.
As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs. Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well. We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote.