top of page
  • Writer's picturePauline Handy

Is Your Insurance Agent In Your Corner?

Updated: Jan 12



Getting and maintaining insurance for residents and business owners of Connecticut, and across the nation, is becoming increasingly challenging. Due to the current hard market, insurance premiums are climbing and the capacity for insurance carriers to accept new risks is decreasing. With that being said, consumers are feeling frustrated.


We're also learning that many consumers are equally frustrated by a lack of service from their agents regarding these challenges. Many residents and business owners who have been referred to our agency, have shared this with us. They just didn't feel like their previous agent was in their corner.


On the contrary, the team at V.F. McNeil Insurance has been working tirelessly to help our clients navigate these challenges. Our team takes the job of being in our client's corner very seriously. In addition, we've been doing the same for residents and business owners who come to us seeking better options.


Given the current market conditions, we can't promise we'll be able to find better options for every single case. However, what we can promise, is that our team will do everything possible. We'll return your calls, listen to your needs, and follow-through with what we say we're going to do.


In addition, we wanted to share the following 8 services that you should be receiving from your insurance agent. If you don't feel like you're getting all that you should from your current agent, our team will do everything possible to help you.


8 Top Services You Should Be Receiving From Your Insurance Agent


Independent insurance agents do not work for just one particular company. Instead, they offer many different insurance products so that you, the buyer, can find the right plan for you, your family, or your business.


An insurance agent should also prov comprehensive services related to your insurance policies. Agents should offer the following services in addition to finding you the right insurance policy. 


1. Conducting risk assessments

A risk assessment looks at all the possible scenarios in which you may need insurance. For instance, your business may need insurance against theft and fraud. Your home may need protection against floods or hurricanes.


An insurance agent will take the time to get to know you and your business. They will understand your needs and can run an assessment to identify any potential risks.


2. Evaluating policies to match your needs

An insurance agent can help you find an insurance policy that meets all your coverage needs. They will help you identify the right policy as well as attach any necessary riders to make sure you are properly protected.


3. Looking for the best prices

Independent insurance agents help get the right product for the right price. They can help you get the best rates on coverage without compromising your protection. 


4. Comparison shopping

In addition to policy discounts, an agent will compare different plans from different companies to get you the best policy at the lowest price. This saves you time and helps you feel confident that you have the insurance coverage you need.


5. Managing coverage

It’s common for coverage needs to change over time. Additionally, insurance companies sometimes introduce new products that could be helpful to you.  Independent insurance agents work to establish open communication with their clients to help you monitor your coverage and the available products on the market, so you always have what you need to protect your family and/or your business at the best possible value. 


6. Finding ways to lower your risks

An insurance agent can also help track your insurance usage patterns or behaviors that may put you at risk of needing to file an insurance claim.  Being aware of these patterns can help you develop ways to reduce your risk and keep your insurance rates as low as possible while maintaining the right coverage for your specific needs. 


For instance, you may be able to lower the cost of commercial auto insurance by proving that you have ongoing driver safety plans and training in place.  An insurance agent will work with you on this process and they often have resources to share that you can access. 


7. Helping with claims

Filing an insurance claim can mean a lot of paperwork and a lot of hoops. An insurance agent can help you file these claims correctly to get your claim paid as quickly and fairly as possible.


8. Explaining the fine points of your coverage

If you've ever tried to sit down and read an insurance policy, your eyes probably glazed over! An experienced  insurance agent can explain to you, in plain English, what's covered, what's not, and any other important points you need to be aware of.  And if you have any questions, they are always available to help.  


Whether you need business insurance or home, auto, and umbrella insurance, or both, an independent insurance agent can help you find the right insurance products for the right price. With these services and many more, an agent can take the stress out of finding, enrolling in, and managing insurance coverage.

 

 About V.F. McNeil Insurance


V.F. McNeil Insurance is a full-service, Trusted Choice® Independent Insurance Agent.  Visit our full website at www.vfmcneil.com to read our Trusted Choice Pledge of Performance, and learn why we’ve kept Connecticut residents and businesses coming back for their insurance needs Since 1886! Contact our team today to experience the difference (203) 481-2684 or (203) 483-2988.

 

 

12 views0 comments

Kommentare


The right insurance from day one®

bottom of page