Why Is This important?
You have so much invested in your family, home, and business. You need to have an understanding of things that might happen, which will create a negative impact on your family and business.
What Role Does Your Agent Play?
Your agent will be your guide, consultant, and advisor through this process. It is important that you have an agent who is not interested in selling you insurance. Your agent needs to educate you on your risk, offer options, and work with you to make sure you are correctly protected.
If your agent does not understand or is not interested in this process, you will be left with inadequate protection.
If your agent offers an off the shelf homeowners policy, without asking questions and educating you might get stuck in the event of a claim. For example, you have a fire in your business and have to move out for three months during reconstruction. Do you have the right coverage to help you with temporary rent, and other expenses? What if you have to close your business and you have a loss of revenue? Knowing the right coverage and limits you need is the responsibility of your agent.
We Help Make The Complex Simple
We offer a series of questions to help our clients understand their risk and what options they have to manage them, based on their individual situations.
We educate our clients so they can make informed decisions. For example, if you are renting out a part of your home, you will need special insurance, as your homeowner’s policy excludes operating a business out of your home.
If you own a home and have other financial assists, you may need a personal umbrella policy. This protects you against litigation or claims where your primary coverage is exhausted.
Let’s start a conversation on how we might be able to educate you and design an insurance program that fits your individual needs.