What is an insurance broker?
This is a question we often heard here at Rogers Insurance. The short answer is that insurance brokers are experts who build strong relationships with their clients to find the best coverage solutions at the best possible rates. In fact, most people who choose to work with a broker do it because they love the relationship and consistent face to a person.
The world of insurance is a major change in state at the moment. Historically, insurance companies (also called "direct writers") have not sold their products directly to the consumer. Instead, they offered insurance by agents. This has changed, however, in recent years.
Now, using huge marketing campaigns and clever tactics, some large insurance companies now try and reach out to customers directly rather than through agents. With these expensive and shallow efforts, insurance companies create the facade of a deep relationship with their client. They give the illusion that they are involved in the community and they understand the needs of their customers and always work in their best interest. Unfortunately, this is rarely the case.
In fact, insurance has never been cut and dry. Whether you just bought your first car, a new home or need insurance for your business, the same concerns remain :?
- How do I know I have the right cover
- Am I getting the best value?
- What if something happens, I'll really be covered?
- How do I deal with a loss, and then file a claim?
Why choose an insurance broker
Here are some reasons why you should choose an insurance broker:
- insurance brokers working for you, not the insurance company.
- insurance brokerages are usually a one-stop-shop for all your insurance needs. They will have products ranging from car insurance and home insurance to sophisticated commercial insurance.
- Insurance brokers are not call centers. Changes requesting documentation and obtain answers can be frustrating with direct insurers (especially if you are bounced around from person to person or from one department to department.) But insurance brokers take time to ensure that you know all of your options, understand and receive the coverage you need.
- insurance brokers seeking to act in the best interests of their clients. This means that the establishment of close relations to understand their needs.
- Insurance brokers have the ability to shop at various insurance providers. This means that with a call to an insurance broker, you are assured the best products for the greatest value. Conversely, if you went directly to an insurance company that you have access to their products and prices.
- Insurance Brokers are your advocates during any situation demands. Keep in mind that when you go through an insurance company, any claims you make are treated by them, which means they are both "judge and jury." insurance brokerages, on the other hand, typically have a claims team dedicated to the ready to guide you through the claims process.
insurance brokers to establish lasting relationships with their clients. Most people who choose to work with a broker do it because they love the relationship and dealing with a person on a consistent basis. It is not uncommon for insurance brokers have clients as long as the brokerage has been exploited. Whether you choose an insurance broker on a direct insurer, the most important thing is to find a provider that you trust and who has your best interests in mind.
Want to know more about insurance brokers? Ask one of our experts.
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