Isn’t It Time Your P&C Broker Offered You More?
From compliance to communication, let us provide a full spectrum of solutions for you and your company.
We understand the challenges today’s employers face, and we know you’re asked to take on more than ever before. Let us make sure your business is protected.
The average broker meets your basic needs when it comes to claims, plans and renewal negotiation but what about new exposures like cyber-attacks and changes in legislation?
Gain a competitive edge in today’s challenging business environment by taking advantage of our web based client resource center. Customized to your needs there is a wealth of valuable information, on a wide and diverse variety of issues, that comes to you without having to sort through vast amounts of information on the internet or pay various vendors– all you have to do is search our concise database.
What will you find in our Accurate Protection Connect:
Not all policies are created equally. Most people compare the 7 pages of coverage and go with the cheapest option. It is the 200 pages of exclusions that will make or break your coverage. We read the fine print so you don’t have to.
Insurance is a commodity.
Insurance can certainly seem like a commodity if the price is the determining factor. However, your insurance program should be viewed as the risk management tool that it is. Why? Proactive risk management consistently leads to fewer claims.
But that’s only half the story.
Businesses with proactive risk management processes earn better insurance pricing.
We know how underwriters think, and we create a narrative detailing the processes and controls you have in place. We position your company as best in class, creating a feeding frenzy with underwriters.
We get results, better coverage, and better pricing for our clients.
Insurance brokers are all the same.
We take a different approach, which yields better results for our clients.
We take the time and ask the right questions to get to know you and your business, which means we recognize risks that may otherwise go unnoticed.
We work with our clients to help them understand what is covered in their insurance program and, sometimes, more importantly, what they are choosing to self insure. We reduce the chance of any future surprises.
Our comprehensive approach allows us to create a compelling story for underwriters educating them not only about your business but also about the risk-reducing strategies that you’ve implemented.
Our approach gets you accurate protection at the best possible pricing.
Insurance proposals are easy to compare.
Comparing a few pages of coverage doesn’t tell the entire story of a policy. What’s covered is essential, but understanding what’s excluded is critical.
Policies are often hundreds of pages of legal jargon and company-specific terms and conditions. It’s impossible to truly compare policies without reading and understanding exclusions, definitions, and confusing policy language.
What is covered on page 16 of a policy can then be excluded on page 47, partially carved back on page 92, and the coverage definition is later expanded on page 183. Sounds confusing? It is.
We make the complicated simple to understand.
Shopping with other brokers keeps my pricing down.
Multiple brokers “bidding” your renewal rewards “speed” and not “accuracy.” Why? Insurance companies only accept submissions from one broker, and they’ll only release a quote to the first broker who submits an application.
So, brokers race to be first, and this leads to sloppy work and incomplete submissions.
Instead, focus on establishing a strong relationship with a broker who will take the time to understand your business, works with you to manage your company’s risk effectively, and can create a compelling story for underwriters.
Once you find the right broker, consider whether you want them as a consultant or as a salesperson. If you value their knowledge, strategies, and enjoy working with them, turning them into a salesperson by shopping them regularly is generally not in your best interest.
The proposal with the lowest premium is best.
An insurance policy is a complex contract with coverage limitations and exclusions written throughout the policy.
A proposal with a low price can look attractive. However, hidden exclusions can lead to an uncovered claim resulting in your ultimate insurance costs being significantly higher.
We work with our clients to develop risk reducing strategies that lower their exposure to claims resulting in more predictable insurance renewal pricing long-term.
A big agency is better.
Bigger isn’t always better. Better is better.
An error in your insurance program can devastate your company. A brokers knowledge, time, and commitment to excellence is critical.
The intense production pressure prevalent at large brokers drives production goals, not accuracy.
We understand the complexities of insurance and stay on top of emerging insurance trends. And we take the time to establish relationships with our clients and deliver personalized attention.
We don’t sell insurance, we get your business the accurate protection it needs.