Why Independent Insurance Is Perfect for Small Businesses
As a small business owner, you already have your fair share of worries — but your commercial insurance shouldn’t be one of them. Whether accidents and mayhem come to your business in the form of a fire, a hurricane, or a crime, small business insurance is designed to protect your financial investment so you can get back on your feet quickly.
But how do you, as a small business owner, know whether an independent commercial insurance agency is right for you? Here are some reasons why it’s a good idea to consider an independent insurance agent when you’re in the market for new small business insurance.
An Independent Agent Understands the Complexities of Small Business Insurance
No two insurance policies for small businesses are alike, and no two small businesses have the exact same needs. Consulting with an independent commercial insurance professional will help you understand the ins and outs of your small business insurance.
An Independent Agent Works for You
Unlike a captive agent — who can only underwrite policies from one insurance company — an independent agent works with various insurance companies. They can go to several different places to get other quotes. Consequently, they’ll be able to help you make an informed decision about the appropriate coverage for your business.
An Independent Agent Is Your Advocate in the Event of a Claim
Because an independent agent works directly with businesses like yours, they can advocate on your behalf should you need to file a claim. They can walk you through the process, contact insurance companies directly on your behalf, and help you obtain a prompt and acceptable settlement.
They can also help you identify gaps in your coverage and ensure you’re covered for contingencies.
An Independent Agent Is a Customer Service Whiz
A good independent agent who advocates for their small business clients is also well versed in customer service. They answer calls and emails promptly and professionally, stay available during normal business hours, and can explain complex small business insurance concepts easily and effectively.
An Independent Agent Is a Part of the Local Community
As a small business owner, you understand the importance of shopping locally. That’s why it’s equally essential for you to shop locally — including with an independent insurance agent who is a part of the small business community in your neighborhood. By working with an independent insurance agent, you’re supporting the small business community.
Getting an Agent Who’s Right for Your Small Business
Your small business is your lifeblood, and you deserve to have your investment protected. Securing the right independent insurance agent for your business isn’t an easy task. You may rely on referrals, internet searches, or even a local advertisement to find the right one for your needs.Regardless of how you find your independent commercial insurance agent, do not make the decision lightly. Always do your due diligence, make sure that your independent insurance agent comes with great reviews, and make an informed decision about your policy before you purchase one.