Why Do I Need an Insurance Broker?

​WHY 
​INDEPENDENT BROKERS 
MAY BE MORE IMPORTANT  THAN EVER.

The pace of change today in the insurance business is incredibly fast. 
People spending their work weeks surrounded by it can hardly keep up...so it's not surprising that the average person doesn't bother trying. ​​

CAN I GIVE SOME ADVICE?

Brew A TON of coffee if you want to learn it before your renewal because it is a VERY deep dive. ​

OR

Since it's 2018.
You could outsource that expertise to an insurance broker... 
​and watch some Netflix. ​

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​HERE'S WHY A 
GOOD INSURANCE BROKER
​IS YOUR BEST BET. 

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FLEXIBILITY AND CHOICE. 

Buying directly from a company doesn't give you an idea of what's available. 
There's no comparison.
​
When you shop with the help of a broker, you're looking at the whole 
industry offering - not just one provider. 

A good broker will review YOUR situation and make sure you understand what's out there and how your coverage stacks up against it. 

If you've never used one....THERE IS NO COST TO YOU FOR THE ADVICE.
Brokers are paid via commission from the insurance companies not the people buying the insurance. Like when you buy a house.

RELATIONSHIP.

Everyone loves 'fast and easy' when buying things.
The downside is that it doesn't always translate to
'Great Service'. 

​GET YOURSELF A ‘GO-TO' PERSON. ​

Ideally it's the same person each time because explaining myself multiple times to new people is a special kind of awful for me.

I find real value in ‘knowing someone to call'
when I have a problem...and with all else being equal I'll take service and relationship every time. 

"Why yes. I'd love to hold. thanks."

CLAIMS GUIDANCE.

It happens more often than you’d think.
A good broker should be able to work with you throughout a claim. 

​They can:

• Help with documentation and getting things started right.
• Retrieve answers when things aren’t moving quickly. 
• Set expectations and explain things as they are happening.  
• Keep an eye out for what's best for YOU on renewal and going forward.​

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Without a broker you’re kind of on your own here. ​​

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As someone who’s seen a few claims go sideways...having a broker that knows the process can be a true difference maker.

'Lawyering up' right away on a denied claim and dealing with it all yourself can take years off your life mentally not to mention draining you financially.

Having an informed broker is like having Tom Brady available on the bench when you need him. He knows the game, calls the right plays and suddenly you've got people you've never heard of looking really good. (Danny Amendola is a restoration vendor in this metaphor.) 

LET SOMEONE WHO KNOWS ABOUT IT BE YOUR GUIDE.

​BROKERS OFFER THE BIGGEST VALUE IN A CLAIMS SITUATION, AND WHILE YOU HOPE TO NEVER HAVE ONE...ACCIDENTS HAPPEN.

Last but not least.
​SUPPORT SMALL BUSINESS. 

Independent brokers are part of the business community and are entrepreneurs just like your local barbershop, a contractor, or a restaurant owner.

Supporting small businesses feels good and creates local jobs. 
Multinational Conglomerates are great... but if you can support someone in the community that'd be my preference. 

Admittedly in 2018 there are many options to buy insurance that are are not Independently owned and operated.
Take some time to figure out if you’re supporting a local business owner. There are some great ones out there so when your policy renews find one who's interested in you and worthy of your business.