People’s lives change. Businesses grow and transform over time. That’s why we feel the consumer is best served by an independent insurance agent with the expertise to evaluate an evolving risk profile and offer educated advice and products that best match these needs.
Their clients can sleep easy.
Technology will continue to advance and make our lives and businesses more efficient, but it’s the personal relationships between agents and their clients, and agents and their carriers, that bring value.
First-time insurance buyers are especially in need of the personal touch. The independent agent is in a unique position to help assess risk and offer guidance.
We live in a complex world, and online quoting platforms lack the personal touch, expertise and emotional IQ that an independent agent brings to the transaction.
Consider homeowner insurance. Far more goes into the cost to rebuild a home than the facts captured through a quick online questionnaire. It’s the deeper questions an agent asks that often reveal the client’s home’s unique and special features, such as highly customized buildouts and carefully selected fixtures and other structural details.
PROACTIVE POLICY REVIEW
Risk profiles change as life situations change, and regular contact with an agent could reveal those shifts coming on the horizon. Check in annually with your agent and have a conversation as part of your policy renewal. You may discover changes relevant to coverage:
- Renovations, additions or new appliances that require additional coverage
- Changes to driver status or garaging of cars by children at locations other than the home address
- Purchases made that the homeowner policy doesn’t cover
- Participation in ride share services or renting a portion of the home
BUSINESSES CHANGE, TOO
Business clients evolve, too – whether growing or scaling back – and annual discussions around coverage are critical.
Discuss changes in business that could alter your risk profile by reviewing:
- Business income
- Cyber risk
- Buildings and property enhancements
- Product Liability
Risk profiles will change with new endeavors, partnerships, investments and growth. Your independent agent’s ability to identify these risks and explain them surpasses the capabilities of a direct quote experience.
Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent.