As an insurance buyer, you have many options relating to how you buy your insurance. We hope to provide some interesting factors that we hope will help you in your quest for the best possible combination of coverage, price, and service. We need to start with a basic premise, that is, insurance is not just a policy or product. Insurance is a tool you use to protect your business, your property and family form potential loss. In the absence of insurance, most of us could not afford to recover from a loss, injury or damage.

Let us lay out some fundamental truths about insurance.

  • Insurance policies are all different.
  • Insurance companies are also different.
  • The experience level of agents varies greatly.
  • There are different kinds of insurance agents.
  • All insurers have basic rates that are regulated by the State.
  • The fewer losses you have, the better off you are.
  • It is possible to design an insurance policy that fits your needs while being cost effective.

What do we mean by each of these? Let us give you a short overview of each. We hope you will call our office and start a conversation with about how we might help you.

Insurance policies are all different.

Contrary to popular belief and advertising, insurance policies are not one size fits all. Every personal and business insurance policy is unique. Insurance was designed to offer basic coverage but have the ability to be modified, changed and added to make sure the coverage purchased meets the needs to the buyer.  Having an agent who understands you and your needs allows him or her to design a policy or program that addresses your individual risks.

Insurance companies are also different.

Insurance companies differ in many ways. Some insurance companies have better rates for older drivers; some offer greater discounts for seniors; some only insure new homes while others only write businesses. In addition to the kinds of coverage, they offer insurance companies have different services. Some insurance companies have great claims service while others do not. Some insurance companies outsource their accounting to foreign countries. We understand that these differences can affect the level of customer service and support you get. We work hard to match our customers’ needs with the insurance company that will meet those needs.