Questions to Ask: Choosing an Insurance Agent

Posted on December 8, 2011. Filed under: Commercial | Tags: , , , , , , , , , |

Have you ever used the “eenie, meenie, miney, mo” method to locate an insurance agent? Or, maybe you look for the agent with the biggest ad in the yellow pages? With all the quoting sites available online, it’s easy to find low rates. But, how can you be sure those rates are attached to adequate coverage and superior service?

Insurance protects your most important assets, which makes it worth the effort it takes to find an experienced, independent agent. Here are some things you should know:


  • The insurance companies to which the company has access. Independent agents, who have access to multiple insurance companies, have the ability to look for the best policies to meet your unique needs at the best value.
  • How much time the agent will spend helping you assess your insurance needs. Insurance is a complex matter. It is not a “one size fits all” product. It takes time to fully assess your unique coverage needs.
  • Whether the agent reads AND understands the policies they offer.
  • If the agency specializes in insuring a particular type of business or line of insurance. For example: businesses that require insurance including professional liability insurance such as real estate agents, accountants, doctors, contractors, or computer programmers or technology related operations, etc.
  • If this was a referral, did it come from someone you trust and respect? Find out what their experience with the agent was like. The things other people desire and want may not be the same things that you want in a professional service provider.
  • Whether the agency can address all of your insurance needs, from home and auto, to life, health, disability, and commercial.
  • Ask who will handle your account on a daily basis. Is it someone who is licensed in insurance, and can provide advice as you communicate with that office, or an order taker?
  • What the agency’s hours of operation are, including their availability after hours, as well as the average time it takes to respond to client requests.
  • What involvement the agent has in the claims process. Understand how claims are tracked and the role the agent takes in the resolution of disputes.
  • Whether the agent is proactive in periodically reviewing your policies and shopping coverages for you.
  • If the agent is involved in their community. An agent’s active involvement in their community may translate into a greater commitment to his or her customers.

Choosing the best independent insurance agent for your needs takes an investment of time on your part. But the interests they will be helping you protect are certainly worth it, don’t you think?

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