What to look for in a commercial insurance agent

Posted in Business

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The right commercial insurance agent is focused on providing great coverage and customer service. They function as your business partner to help you improve your operations. If you’re a small business owner shopping for a new business insurance policy, you may need information on how to find a commercial insurance agent and what to consider when choosing the best fit for your business needs. Here are the basics to help you get started.

Find an independent business insurance agent

Two of the most common types of insurance agents are independent and captive. Captive agents work with one carrier and will only be able to offer policies from that carrier. An independent agent will help you get coverage for all the different types of insurance your business needs, without being limited to one carrier.

Whether you’re in a niche industry or you’re looking for a specific type of coverage, an independent commercial insurance agent can work with you to check off all the boxes on your list. For example, Grange works with a network of independent insurance agencies that can help you start exploring insurance options for your business today.

What to consider when choosing a commercial insurance agent

  • Ask about their experience and results. The right balance of your agent’s insurance industry knowledge and proven solutions will help your business get the most out of your commercial insurance policies.
  • Think about your industry niche. Your agent should be well versed in your particular industry to identify and recommend the best coverage options for your business.
  • Discuss risk management capabilities. Beyond great coverage, your agent should be recommending business insurance that offers risk management services. These resources can help you minimize financial loss and workers’ compensation claims.
  • Ask about their customer service style. Make sure you have the support you need. You and your agent will need to communicate about changes and growth to your business that will impact your insurance. The right agent will be motivated to help you every step of the way.

Signs the small business insurance broker you’re considering is a good fit

How can you tell your commercial insurance agent has your best interests in mind? The first indicator is your agent asks questions to understand your specific business. They also offer several solutions for all your coverage needs, giving you options to choose from to suit your business and budget.

Second, a good commercial insurance agent will offer a simple, informative quoting process. This part is crucial to help you determine how knowledgeable, efficient and personable your potential commercial insurance agent is. Your agent should also express the best ways to communicate your business needs after the business insurance policy is created. Find out if email, phone calls, social media or other communication methods work best. Plus, ask if your agent can be reached directly or if they have a team ready to assist you.

One final sign the commercial insurance agent you’re working with could be a great fit for your business is their insight on the claims process. A quality independent agent will walk you through the claims process so you know exactly what to expect from day one of your policy.

3 reasons to choose a Grange commercial insurance agent

You know what it takes to find and select a great business insurance agent. Working with a Grange independent agent will give you peace of mind and protection, so you can focus on your business goals. There are plenty of options to choose from, but here’s what sets Grange Insurance apart:

1. Engaging Risk Control

Our Risk Control experts are ready to work with you to minimize risk and potential loss throughout your policy. You’ll learn where there are opportunities to increase safety and reduce workplace accidents to protect your biggest investment, your business.

2. Straightforward claims process

You can rest assured your Grange independent agent will help you through every step of the claims process. Whether there was a workers’ compensation medical incident or damage to your property, our experts will answer your questions and offer a detailed explanation of what you can expect for the claim from start to finish.

3. Partnership to make your business better

When you partner with Grange, you can expect a committed, connected partner. You can depend on your commercial insurance agent to answer questions, offer solutions, anticipate needs and connect you with experts related to any Risk Control or claims needs.

Talk to a Grange Insurance agent today to learn how we can take your business to the next level.

This article is for informational and suggestion purposes only. Implementing these suggestions does not guarantee coverage. If any policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. For full details on Grange’s business insurance coverages and discounts, contact your local independent agent.


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