Using Independent Agents For Your Business Insurance
To get the lowest rates and the best coverage you need to acquire your business insurance
from a local independent insurance agent rather than dealing directly with an internet based insurance company. It is not true that that dealing directly with an insurance company is the best method to get the lowest rates. In fact, there are many reasons why you should be using an independent insurance agent to provide your business liability and property insurance.Reason #1: Local Independent Agents Save You Money
If you are dealing directly with an insurance company, you don't have an advocate representing looking at multiple options to make sure you are getting low rates as well as the proper coverage. It is important to look at multiple options as business insurance rates are not only based upon your type of business, sales, loss experience and other information about your business, but also based on the operating costs of the insurance company. An local independent insurance agent will work for you to make sure you are buying insurance from a company with low operating expenses as well as good service.
Wen you acquire business insurance through an independent insurance agent the agent will review quotes from multiple companies to make sure you are getting the lowest possible premiums as well as the right coverage. The local independent insurance agents are in business to keep their customers satisfied by providing them with the best coverage at the lowest possible premiums. Because they represent you and not the insurance company they will work hard to get your business insurance at the least possible cost.
Reason #2: Better Service From A Local Independent Agent
If you want personal service you need a local independent insurance agent. It is so nice to be able to call them directly without having to deal with those annoying 800 phone options, press 1, press 3, press 1, etc. When you have a local agent you can visit them or have them visit you as they are in your local area. Business insurance is much more complex than personal insurance. Business owners need that ability to contact their agent. They need to know that if a claim occurs that they can get immediate service. It is very frustrating to need some information and not be able to contact your insurance agent directly.
Knowing your insurance agent is important when dealing with business insurance. When you choose to deal with a local agent, you get to know your own agent and they get to know you and your business. Dealing directly with the company may mean you probably never have your own personal agent. You calls are answered by a call center and you speak to a different person every time you call. If you want personal attention and an insurance agent that knows your business then you want to deal with a local independent insurance agent.
Reason #3: Local Independent Agents Have A Lot of Business Knowledge
One part of liability insurance business owners may not think about is that insurance rates are based on where you live. When you get business insurance a local agents will know the area and your business insurance requirements. They will know what types of coverage you need and how much coverage you should get. They know from experience, not just from looking at charts that give averages. You can actually get a more detailed insurance policy when you work with an independent agent because the agent knows the area and what is needed in insurance coverage for your specific business.
The local independent insurance agent will provide many valuable services. They will visit your company, do a risk analysis and learn about your business so they can determine what are your specific insurance requirements. More important, when you have a local independent agent as your representative you you will have someone to represent your interests and fight for your rights in case of a claim or a conflict with the insurance company. If you are dealing with a website you will most likely wonder - "Who should I speak to when I am in trouble?"
As you can see, there is a huge difference between buying business insurance, commercial insurance or liability insurance from a local independent insurance agent versus directly from the insurance company. You will get a better insurance product and better service if you choose to do business with a local independent insurance agent.
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