Your insurance agent is perhaps the most important person in your business, if they do not do their job properly then it puts your business at real risk and you could find yourself paying out a large claim just because your insurance agent did not do his job. As seen recently in the unfortunate instance of the poor landscaper, getting the wrong insurance can be as bad as not having any insurance at all. So how do you go about finding the best insurance agent for your business? What steps should you take?
Well, there is an important distinction to be made here. One of the best ways you can find the best insurance agent is to talk to your friends and family, they will have a wealth of knowledge on who the best Insurance agents are. In addition, they will also have a wealth of experience in dealing with such brokers and companies. And finally, the internet can come in very handy in this regard, by conducting a quick search online you will get some good leads. These leads however are often useless and of little use.
But it is important to note that if your friends and family do not recommend a particular insurance agent or broker then you should still consider contacting them. The reason for this is that if you were a regular customer of theirs you may know exactly what they recommend. But if you are new to the world of insurance you need someone who knows the business well and who can get you the best coverage for the cheapest price. If however, they do not recommend a particular agent or broker, then you must conduct some further research into the matter.
Before you contact the insurance agent, you must make sure that they actually offer coverage for vehicles in your state. This is important because different states have laws in place that regulate the insurance industry. Also, ensure that the agent’s fee is within your budget. You need to make sure that they offer you the type of coverage that you require at an affordable price.
Also, check and make sure that you are getting the right policy coverage. For example, if you have a car then the right policy coverage could be liability insurance coverage for third-party damages or injury. On the other hand for those who do not own cars, health insurance coverage could be just what you require.
One very important thing to note when searching for a good insurance agent or broker is that you should not let the agents negotiate on your behalf. The insurance industry is highly competitive and each company tries to attract as many customers as possible. So if you feel that the agent or broker is trying to negotiate on your behalf then don’t go ahead with the deal. Instead, ask for a written quotation so that you are clear on what the insurance producer is charging you.