INDEPENDENT INSURANCE ADVISOR

Using a Advisor simplifies the process of choosing insurance. There are many options, with various limits, coverage, and exclusions for each policy. It’s hard to know what types and levels of coverage are right for your situation. This is how insurance Advisors help.

Firstly, based on experience and training, your Advisor analyzes the risks and liabilities you face. Then, with this objective risk assessment, you can decide logically what coverage you need. Independent Advisors endeavor to understand each aspect of your coverage needs before recommending any coverage solutions. They build you a comprehensive plan to address all of your potential liability concerns.

Knowing you have adequate insurance against every potential liability gives great peace of mind.

It is essential that insurance Advisors remain impartial. They tell you about loopholes and advise you on the coverage. You get honest advice and opinions you can trust. So, your Advisor works as an extension of your business.
So, working with an impartial insurance Advisor offers a multitude of benefits over self-directed searches. These advantages include increased access to or availability of:

• A more extensive range of insurance companies
• Lower rates
• More appropriate insurance coverage for your needs
• Skilled negotiations asking the right questions of you and your insurer
• A single contact for your claims, any policy changes, and ongoing advice

Insurance companies can only sell policies of their own. Yet, when buyers look for insurance, the assumption is that because the most direct approach must be cheaper. While this works when you buy clothing direct from the manufacturer’s warehouse, it seldom works with insurance. Usually, working with an Advisor gives you more options, takes less time, and your premiums are comparable, or lower.

Having the right business coverage is critical. And shopping involves evaluations, research, and comparisons. When you work with your insurance Advisor, you take advantage of expert knowledge and experience. This expertise makes shopping around and selecting easier, and it helps you avoid unnecessary extra costs.

By reviewing many options, you may find you are in better control as you research all your options. Plus, a Advisor provides access to the specialist markets where going direct to the insurance company isn’t always an option. Then, when you can go direct, there is only one option.

Firstly, researching and comparing insurance plans without an insurance Advisor’s help is tedious, at best. It requires significant time to analyze every option to decide whether they fit what you need. Without expert assistance, there’s always a higher risk of getting the wrong coverage. And of course, this can be very costly in the long-term, especially if you need to make a claim. A good Advisor advises you accurately, without costing more.

How do insurance Advisors provide this expert advice without it costing you extra? Advisors can get lower rates on insurance for you. The insurance companies offer Advisors lower rates because the companies know Advisors guide their clients to purchase the right policy with proper coverage.

Your Advisor offers you a range of different insurers’ quotes for more options to fit your needs and your budget. The ability to shop around for the best price from several carriers usually saves you money when you use an Advisor.