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Running a business isn’t always easy. One of the hardest decisions that entrepreneurs face is deciding where (and how) to buy insurance. Although there are many intricacies involved in purchasing insurance for your biz, one thing is for certain: it is always best to work with an independent insurance agent rather than an online service.  Insuring your business through independent agents comes with many advantages over online insurance programs.

Sure, the idea of buying insurance in a few short moments at your computer without having to pick up a phone or arrange a meeting sounds accommodating to your busy schedule. Unfortunately, many business owners who choose to go this avenue find themselves wasting more time trying to figure out the ins and outs of their policy or when they run into a situation when they need to put their policy to use, they realize they weren’t adequately covered.

Common Frustrating Pitfalls of Online Insurance Programs 

Many programs are state-specific which means not all online insurance companies are obligated to offer your state’s required benefits
Lack of knowledge from call center personnel
No personal relationship with an agent
Difficulty navigating company website or long waits on company phones
Many companies won’t tell a policyholder if their coverage is adequate
No office to visit
Most online carriers require a signature on a “Waiver of Liability” which excuses them from being held liable if you misunderstand how their website works.

Why You Should Go With an Independent Agency

Before you click your security away, at least take a moment to consider why working with an agency might be the better option for you:

Ability to Speak With a Qualified Agent 

First, rather than being forced to converse with someone who knows little about what you need as a business owner, an independent agent is a licensed professional who knows the ins and outs of insurance. They help to ensure that you are only paying for what you need and that you are completely covered! 

Truly Have Your Best Interests in Mind

Independent agents are committed to helping you find what exactly you need and will advocate on your behalf when necessary. You won’t find this with online insurance services.

A One-Stop Shop

Many online insurance services only provide quotes for individual insurance companies, meaning that you would need to take time to go through several websites or phone calls to gather all of the information you need in order to make an informed decision. Independent insurance agencies represent a number of different insurance companies and will do all the work for you in order to find out which one is the best fit and price for your business needs. 

Multi-Faceted

Independent agents can handle all of your business’s insurance needs in one place! Unlike online insurance programs, with an independent agency, you don’t need to find a different company for general liability, commercial auto, business owner’s policy, worker’s compensation insurance and so on. 

Timely and Friendly Service

Independent agents will provide you with courteous and friendly service while understanding that your time is valuable. You won’t be forced to wait for hours on the phone, waiting in queue to speak to someone who isn’t a machine. 

Additionally, independent agents will treat you like a person (not just another number). 

Shop Local

Supporting a local agent within your community has many benefits. From helping to boost the economy of your community to always having a place you can physically go to are some. 
Overall, independent agents leave clients feeling more satisfied and secure in their business’s coverage needs. Don’t short yourself or your company by bypassing the best option available!


Posted 5:10 PM  View Comments

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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