| 1)
We don’t sell insurance – we solve problems. If
we find that the client is properly insured, we will tell him
that.
2) We are a modern, large
insurance firm BUT we have made our success by treating our
clients in an “old fashioned” way – as friends.
We like to know and understand our clients’ entire insurance
portfolio and needs
3) We perform our TOTAL INSURANCE
ANALYSIS at no cost to the client, identifying every insurance
policy he has or needs and identifying any gaps, under-insurance,
and over-insurance that may occur. We are a full service agency
with specialists in every form of insurance available. We
do not insist on the client taking insurance coverage –
however our job is to inform the client of his potential financial
exposure.
4)
We use at least three insurance providers and we review every
client account each year to determine where their insurance
is best placed to provide maximum coverage at a reasonable cost.
Those people who have used single company agents or agents with
only one or two markets have found that they have no option
but to sell the only program that they have available –
they have no way to compare and shop to get the best price or
coverage. |
5)
We contact our clients, on occasion, during the year to verify
that no changes have taken place that could increase their financial
risk or that might offer lower cost options to current insurance
programs. Many insurance agents actually do the process of renewal
analysis 90 or 120 days prior to a client’s expiration.
Few actually let the client know what they have done. Too many
customers feel that the insurance agent does nothing to remarket
and price their coverage once the original sale is made.
6)
If claims occur, we respond to the claim on the same
day that it is reported to us and we track the claim process
to assure that it is handled in a timely fashion. Most agents
quickly report claims. However, a surprising number of agents
do no follow up on claims until and unless the client complains
that the claim process has gone awry. We know the timely and
efficient response to claims is the single primary reason
that people buy insurance.
|
