Posts

Your Policy Is Only As Good As Your Agent

/in , ,

agentTo say that your insurance policy is only as good as your agent is a bold statement. You have also heard me say, that not all policies are created equal. Just what do I mean by this? The idea is that your agent is the most important part of your insurance program. Here are three reasons why this is true:

  1. Insurance companies only offer a policy, they do not design coverage. On the other hand, independent agents can design coverage that is best for your specific needs.
  2. Independent agents work for the client, not the insurer.
  3. Experienced agents can help you identify and manage your risk, rather than sell you a policy.

The best way to ensure you are getting the best advice and value is to have a trusted relationship with an experienced agent. Like any relationship, communication is the key. A good agent will listen to the customer and offer risk and insurance solutions. There are times when insurance is not the best solution. Again, here are examples:

  1. Contractual Risk Transfer – There are many ways to transfer your risk through a contract or agreement. An example might be for products liability. If you are distributing a product manufactured by another party you can transfer the product liability to them, rather than take that risk on.
  2. Self-Insure – There are times when the risk may be such that you are better off self-insuring rather than spending a lot on an insurance policy with a super high deductible. Sometimes, you can mitigate risk by putting risk control techniques in place to reduce or eliminate the risk all together.

Only an agent who is interested in your best interests would offer you options that included no insurance. Rather than using any agent to get you an insurance quote, select a qualified independent agent who will collaborate with you and design a risk management program that meets your needs.

 

How We Put People Before Policies

/in , , ,

We have used “How We Put People Before Policies” as our tagline for many years.  We use it because we truly believe that people are more important than policies.  However, a tagline is meaningless unless it is put into practice.  Here are a number of ways we carry this out this concept every day.

Each Client Is Unique

We know your insurance needs are one of a kind and require personal attention.  Your family may require certain kinds of coverage and we will make sure you understand that.

Education Comes First

Before we even talk about insurance, we want to educate you on your risks and how these risks may affect your family or business.  We believe that if you are educated about your risk you will make educated decisions.

Excellence Starts With A Human Connection

When a client calls, they get a licensed professional who can speak to their specific needs and respond accordingly.  We listen to your concerns, ask questions, and then provide a response.

We Never Stop Learning

Risk and insurance is an ever-changing field.  That is why we, as a team, continue to expand our knowledge base and further our education.  This allows us to provide you with the latest trends regarding your risk and insurance.

Relationships Matter

Insurance is a relationship between you the client, the agent, and the insurance company.  We look out after your interests—we do not work for an insurance company.  We enjoy making personal connections with our clients, and look forward to the next time we interact with them.