What are the advantages of using an independent agent for setting up commercial insurance for my business?

As a business owner, your list of insurance needs may seem like a mile long. It can be tempting to purchase your commercial insurance policies from the insurance company you have always done business with to save time on shopping around. But you could be throwing away thousands of dollars a year. Businesses always benefit from the services of an independent agent, who works for the client rather than the insurer.

Why Choose an Independent Agent for Your Commercial Policy?

Independent insurance agents can provide quotes from several of your state’s leading commercial insurance providers. These are the same policies available directly from insurance companies — only provided alongside multiple policies for easy comparison. Put simply, access to several insurers means you get quality coverage without sacrificing affordability every time you renew.

Another reason to use an independent agent is for time-saving purposes. You could go online or visit several insurance companies to shop and compare your own rates. But a thorough comparison could take several days, not to mention hours of sales pitches and follow-up contact. By using an independent agent, you can roll all of your comparison shopping into a single search that your agent completes on your behalf.

Finally, an independent commercial insurance agent will be available to support you long after you purchase your commercial policy. Often, dealing directly with insurance companies can be an impersonal process. You may find that you appreciate having a go-to representative who can answer questions and look out for your best interests.

For more information about commercial insurance coverage in your state, contact our office today. Whether you have been in business for years or are just starting out, we will walk you through the process of securing commercial coverage as quickly and affordably as possible. Call us for your free quotes. We’ll be happy to help you find the policy that best fits your business’s ever-changing needs.

Is it safe to shop for New York insurance online

Shopping for insurance online is quick and easy. Most people in New York are busy and they cannot be bothered with going to several insurance companies to compare rates. When you work with an independent agent online, he can compare the rates of many top providers and locate a policy that will meet all of your needs and fit into your budget.

If you are concerned about the safety of shopping for insurance online, you have nothing to worry about. Most people use online sources to shop for insurance and it is the best way to get a good deal. People do not have time to spend hours comparing quotes for insurance coverage, they would rather be out spending time with friends or shopping at the mall. When you find a good deal, you will have peace of mind knowing your belonging are protected.

New York is a great place to live and spend time in the great outdoors. If you want to find a better rate on auto or home insurance, consider using an independent agent to compare quotes online. You can easily check out the reputation of several companies and buy with confidence. Since online companies have less overhead costs, many can offer a much more affordable rate for the same amount of coverage. Go online and get your best insurance quotes today.

What Are the Benefits of Using a Local Independent Agent to Purchase an Insurance Policy?

Using an independent agent to purchase any insurance policy is a good idea. An independent agent is an individual or a company that works with various insurance companies. Rather than representing just one provider, this agent works with numerous organizations. From the prospective of the customer, this is a very good thing. It provides a wide range of benefits to you.

Comparative Quotes Are Easy

The key benefit of working with this type of agent when you need to purchase a policy is that he or she works for you, not for the insurance company. This means he or she will help you to get quotes from numerous companies so you can easily compare them. You can get a quote from three, four, or even more national and local insurance companies all within the same amount of time. Even better, you do not have to deal with pushy sales agents. Your independent agent handles that for you.

Policy Right for You

The benefits of using an independent agent to buy insurance also include the fact that you can get all types of insurance you need at one time. This may include:

  • Homeowner’s insurance policies including add-ons
  • Auto insurance policies
  • Business property insurance
  • Recreational vehicle insurance
  • Business liability insurance
  • Renter’s insurance

If there is any other type of insurance that you need, your independent agent will help you to find it. Then, the agent will work with you to find discounts you may qualify for including bundle discounts. This means you end up paying far less for the coverage you need.

Why Local Matters Too

Hiring a local independent agent is even better. This allows you the ability to have someone on your side all the time. If you need to file a claim, you know whom to call. You can expect your agent to arrive at your home quickly. You know his or her first name and feel comfortable discussing your situation. Instead of working with a big name company, you get individualized attention.

Instead of working with the no-name person on the phone or the company website for a non-local provider, work with your local independent agent. He or she will ensure you get the best policy for you no matter which company you want to work with to get insurance protection. You can purchase with the confidence you need.

Captive or Independent Agent – Note The Difference

Independent Or Captive - You Get to ChooseFor residents of Ohio owning an insurance policy is a must. However, you will be perplexed by the decision on whom to approach and how to avail an insurance that best suits your requirements. There are two types of insurance agents who will make your search easy, an independent agent and a captive insurance agent. A brief knowledge on how these agents work will help you decide on whom to approach.

Differentiating The Agents

Captive agents are insurance agents employed by one company and they will insure their clients only with that company. They are bounded by an agreement by that company to work for them. These companies are usually very large providing wide variety of insurance policies, services and products. The agents will be employed by the companies. Some fresh agents prefer to start as a captive agent as they will be promised with fixed wages and enjoy other benefits. Some companies do provide their leads to kick start their business as independent agents. When you ask for a quote from this agent, he will help you with rates of that company. A captive agent has an added benefit to choose multiple lines of insurance in same company.

Independent insurance agents does not work for one specific company, but rather for multiple companies at same time. With an independent agent the customer can also enjoy the experience of ‘shopping around’. He will have contacts with most of the insurance companies of Ohio and is authorized to sell their products and obtain the customer a best deal possible. Independent agent will be paid commissions by the company for which he will provide the lead. Here the agents get to operate in one line such as either home or car or life. An independent agents has to take up the responsibility on his own to start a new business and bear all the expenses of successfully running his office. Independent agents have more flexibility in finding lower insurance rates.

Opting for The Best

When shopping for insurance, it’s always a good idea to contact both captive and independent agents to get the best price comparisons. Every Ohioan’s need and requirement is different. Based on your home location, occupation, annual income, miles driven, car model and many other accessories your car insurance and home insurance policy rates vary. Here, be the success of any agent depends on his capability to sell a policy. It depends on you as an individual to grow networks, utilize your time, maintain a good relation with the  agents and obtain an insurance policy that fits your budget.