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Choosing an Insurance Agent
You want to find an insurance agent whom you can trust and with whom you can have a
long term relationship. You want to work with someone who understands your particular
insurance needs. While there are many insurance agents to choose from, you can find the
one for you and your situation if you approach the search with some diligence.
Firstly, you'll want to find an agent that specializes, or at least, has
experience in the type of business that you operate in. You may wish to look for a
good referral from someone in a business situation similar to yours, someone whose
judgment you respect.
The following list will allow you to compare some of the key services you should
expect from your insurance agent.
These include:
- An initial and thereafter annual profile or quote detailing the type and
amounts of insurance, including deductibles, costs and/or rates, carriers,
carrier financial policy numbers, rating, and expiration dates.
- Written binders documenting active insurance in lieu of policies in process.
- Delivery of completed original renewals & policies within 45 days of effective date.
- Details concerning limitations or exclusions.
- Advance billing of premiums with payment options.
- Routine claim processing & presentation to carriers.
- Bidding of your insurance regularly to obtain improved costs & coverage.
- Availability during all regular business hours.
- Competent counsel on what type of coverage you need.
- Copy of the broker-agents professional liability insurance.
Visit InsureAnts Insurance for more comprehensive insurance information.
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