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Business Owners sometimes find that Insurance does not
seem to make much sense. An Agent asks
a few questions, inquires about the claims you may have had, talks about
payroll and gross receipts, wants to know the limits of liability you want
quoted, and that’s about it. The Agent
seems to fill in the rest and you sign the form. HOWEVER, to a “SPECIALIST”, it is a lot
more than that. If all you collect is
the basic information noted above, then the quote you will be provided will
be a general basic main street quote out of the box.
There is a lot more information that will make a
difference and help tell your story.
It is important to understand and consider:
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How long have you been in the business, maybe not just as an owner;
◘
Not what state you are in but what part of the state you WORK in;
◘
Who are the other contractors on the job.
In today’s LITIGIOUS society everyone on the project is named in any
suit;
◘ Are contracts entered into and signed by
all the parties that describe the JOB?
Do they require evidence of insurance?
If you have to pay for insurance shouldn’t everyone else? Not what insurance or how much, JUST that
there is evidence of insurance provided by everyone, so you are not left
holding the bag;
◘ And other obvious questions and answers
that make one owner different from another business owner that may be
available for the same job.
For an Agent/Producer, there are over 2,500 different
licensed Insurance Companies that may have a program or has developed a
specialty for your type of business operation. Experience, having earned the
respect and confidence of the Insurance Companies, and being able to provide
nationwide access to the major markets, can make a difference in the
insurance quoted.
Please review the listing of Application KITS available to be printed
from the Web Site, and then complete the form most applicable to your
business and FAX to the office for processing. COMPLETED APPLICATIONS DO MAKE A
DIFFERENCE. NO QUESTION SHOULD BE LEFT
BLANK. ENTER NONE AT LEAST.
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