An independent Insurance Agent is ideal for suiting the needs and budgets of clients. Independence means that an agent is not obligated to use one carrier or another. That allows her the freedom and flexibility to find policies that will provide the coverage needed at the best pricing available. Searching all carriers for the most suitable coverage gives clients choices and different options from which to choose. Most people prefer choice and control over selecting insurance policies.
One person, for example, may want extra liability coverage on an automobile insurance policy because children are frequent passengers. Having a few carriers that offer high liability amounts allows the client to choose the one that best suits his budget. A small business owner who starts up a company from a home office will need to adjust her homeowner’s policy to reflect the value of equipment, and an increase in security for the home. The current insurance company may want a higher premium than a competitor. The Insurance Agent can transfer coverage while making sure there are no breaks in coverage.
Agents can work alone in a private office or within a larger agency. There are advantages and drawbacks to each situation, depending on the needs of clients. A client with simple needs, such as a policy for a car, an apartment, life insurance, and health coverage will be well served by a single agent. Getting to know one person and relying on her for policy reviews, advice, and changing coverage as life changes may appeal to individuals and families.
A business owner or an industrial client may prefer the agency to get the benefits of many areas of expertise and more available support staff. The efficiency may make them feel more secure and comfortable. Larger agencies can offer services beyond basic ones, such as customized risk management solutions, consulting for new businesses or expanding ones, and hosting informational meetings and educational events for clients. Clients interested in a larger agency with several branches, community events, and hosted meetings for agricultural businesses can go to Domain for contact information, a list of events, and directions to all offices.