Business owners throughout this economy are growing stronger, more efficient, and cost effective. One of the clearest cost cutting opportunities is to review all incoming billing and find solutions to grow your business cleaner. It's true, all insurance agents want your business. It is also true that all insurance companies want to insure you. As the insurance consumer you hold all of the cards and have the power in the purchase. Pricing your insurance package can result in instant and sometimes substantial savings.
The price is in fact negotiable on some products. Most carriers want to do better than the one you are with. I have found that most companies pricing out there insurance packages are pleasantly surprised at the savings they find. It is a cost cutting measure that you can take that makes an immediate impact on your monthly expenses. Go shopping and reap the rewards of taking the time to do so. More often than not you will find cost savings in doing so.
Making sure your insurance package quote includes "apples to apples" coverage for proper price comparison is important. Have your current insurance declarations pages outlining your current coverages available to the quoting agent. Also, if you carry multiple policies such as commercial auto, worker's compensation, general liability, and property policies ask your current carrier for your "loss runs". All of this information can be readily provided to the quoting agent or agents and make the quoting process smooth and easy for you. You'll find the quotes can be provided quickly!
Of course, so some quick research on the companies or agents you are chosing to quote with. Has the agent only been an agent for a few months? How do you feel about the promise of service? Research the company the agent represents. Most insurance carriers have websites where you can find information about the type of businesses they insured, where to find an agent, and you can get a feel for how user friendly that company really is.
As your business grows so do your insurance needs it is important to have an agent that grows with you and touches base with you. Really understanding your business is part of knowing how to insure it. There are key exposures and changes that take place in business insurance that could affect your coverage. Is your agent making sure your business does not have a new exposure each year. Gaps in protection absolutely do result in money out of a businesses pocket. Don't just purchase insurance, purchase a business partner!
Heather Swank
Agent / Owner
Brookson Insurance
http://www.brooksoninsurance.com/
Friday, April 30, 2010
Tuesday, April 20, 2010
Insurance and why we do it!
Using insurance as a means to take the burden off of the shoulders of a family in the event they suffer a loss is a wonderful concept. Unlike others, I suppose I beleive that insurance is a noble endeavor. I have been personally working in the field for twelve years now and each year offers more experience than the year before. Before opening Brookson Insurance I was a claims adjuster working for one of our countries largest insurers. I have experience the worst possible losses hand in hand with insureds.
When opening the agency I wanted to make sure I was providing protection that was top notch all while making sure famlies were not over spending on insurance, or just being left each year without anyone taking another look at their policies.
Other agents talk the talk, but I walk the walk and follow through with the protection need while making sure my clients are not over charged or ignored once the policy is written.
In doing so I made sure that I would be available even after normal business hours, that my insured's could reach me on the phone, and that I would keep their needs in mind by reviewing and touching base with each family every single year. It is important as we have learned during the last year things change, a families needs change and we need to change with them.
This is what I am passionate about making sure the protection we all need to protect our assets and lives is available with a strong carrier, but also treating people just as they should be treated. It is quite simple, go above and beyond and just do unto others.
With my years of experience I have learned this protection works when a loss occurs. Insurance is at its finest during a loss. In this blog I will talk about coverage, losses, why we need the protections we need and be a sounding board for my insured's to learn more about the policy they have purchased and the person they have trusted their insurance products to.
When opening the agency I wanted to make sure I was providing protection that was top notch all while making sure famlies were not over spending on insurance, or just being left each year without anyone taking another look at their policies.
Other agents talk the talk, but I walk the walk and follow through with the protection need while making sure my clients are not over charged or ignored once the policy is written.
In doing so I made sure that I would be available even after normal business hours, that my insured's could reach me on the phone, and that I would keep their needs in mind by reviewing and touching base with each family every single year. It is important as we have learned during the last year things change, a families needs change and we need to change with them.
This is what I am passionate about making sure the protection we all need to protect our assets and lives is available with a strong carrier, but also treating people just as they should be treated. It is quite simple, go above and beyond and just do unto others.
With my years of experience I have learned this protection works when a loss occurs. Insurance is at its finest during a loss. In this blog I will talk about coverage, losses, why we need the protections we need and be a sounding board for my insured's to learn more about the policy they have purchased and the person they have trusted their insurance products to.
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