How to Find the Best Commercial Insurance Agent
When looking for the right commercial insurance agent for your business, you need someone who is focused on providing not only great coverage, but also great customer service. They function like an additional business partner, who is there to help you improve your business operations.
If you are a small business owner looking for a new insurance policy for your business, we’ve included some information on how a Hertvik commercial insurance agent will help go over with you when choosing the best fit for your business’ needs.
Find an independent commercial insurance agent
There are two common types of insurance agents out there – independent and captive. A captive agent works with one insurance carrier and will only be able to offer policies from that single carrier. An independent agent isn’t limited to one carrier, therefore, are able to shop around multiple different carriers on your behalf, and help you get the coverage for all the different types of insurance your business needs.
If you are in a niche industry (examples: restaurants, construction, pet care, etc.), an independent commercial insurance agent will be able to work with you to check off all the insurance boxes on your list.
What to look for when choosing a commercial insurance agent
- Ask about results and their experience. The right agent will be able to balance the insurance industry knowledge and provide solutions to helping your business get the most out of your commercial insurance policies.
- Cater to your industry niche. Your agent should be knowledgeable in your particular industry and be able to identify and recommend the best coverage for your unique business’s needs.
- Discuss risk management. Besides recommending great coverage, your agent should be able to also recommend business insurance options that also offer risk management services. These services act as resources that can help you minimize financial loss and workers’ compensation insurance claims.
- Ask about their style of customer service. It’s important to have the support you’ll need. You both need to be able to communicate about changes and growth to your business and how they will impact your insurance coverage. The right agent will be motivated to help you each step of the way.
Signs the commercial insurance broker you’re considering is a good fit
How are you able to tell if your commercial insurance agent has your best interest in mind? The first thing to notice is if they ask lots of questions to better help your specific business. They will also follow up with several (not just one) solutions for all your coverage needs and give you options to choose from that fit within your business and your budget.
Second, a good agent will offer a simple and educational quoting process. This will help you in determining whether or not your agent is knowledgeable, efficient, and a personal commercial insurance agent. They will also go over the best ways to communicate your business needs to one another once the business insurance policy is created. Whether it is email, phone calls, social or other methods of communication, they’ll help you determine which is best. A quality agent will walk through the steps of a claims process, so you know exactly what to do and what to expect from day one of your policy.
3 reasons to choose a Hertvik commercial insurance agent
Now that you know what it takes to find and choose a great business insurance agent. By working with a Hertvik independent agent, we can give you peace of mind and protection, so you can focus on your business and what it does best. So talk to a Hertvik Insurance agent today to learn how we can take your business to the next level by getting you the right coverage for your business’s needs.