The House Insurance Built
Risk Management for Builders & Contractors

Chapter 3: Tips for Finding Small Business Insurance
Part 2: Finding Small Business Insurance with an Independent Insurance Agent

There are two types of insurance agents: "captive" agents and "independent" agents. Captive agents are the ones you deal with when you find insurance on your own. They work for one insurance company and can only sell the products of that one company.

An independent agent works with several insurance companies. Because of this, working with an independent agent can spare you the hours of Internet searching and comparison-shopping — they have the insider contacts to do all of that for you. Plus, an independent agent can ensure you receive the best price for your coverage, because they aren't tied to just one insurance company.

Here's what you can expect when you team up with a licensed independent insurance agent.

1. Submit one application for multiple quotes.

No hunting down providers and requesting estimates one by one here. At insureon, your industry-expert agent does all the heavy lifting for you. While other companies may have computers put together quotes for you, insureon doesn't. Our agents compile quotes by hand, ensuring that you view policies that fit your business's specific needs and risks.

Once you fill out and submit our quick online application, your agent will send your quotes right to your inbox. From there, you can review the estimates at your leisure. If something catches your eye, you can select the policy and start your coverage.

2. Talk to a real live person for all your insurance questions.

As we've said before, purchasing insurance is an investment in your business. And as such, you shouldn't have to depend on an automated machine to field your pressing questions. That's why we connect our clients with their own agent for as long as they have their policies. When you need answers, you can rely on your agent for help any time of the year.

3. Get expert advice from an industry specialist agent.

Our agents are trained by the industry. That means your agent not only knows insurance, but they also know how insurance applies to your business's unique risks. So if you have questions about particular scenarios and how your insurance can protect you, your agent can walk you through what to expect. Also, your agent has relationships with top insurance companies that offer products tailored for construction professionals. This allows your agent to find your coverage at prices that may not be available to the public.

4. Avoid the confusing insurance jargon and legal speak.

Insurance lingo might as well be another language — a very, very complicated one! But don't think insurance should be a subject only agents and underwriters can talk about. We take pride in making complex concepts accessible for our clients, and our agents are always happy to answer questions about your policies. That way, you can make confident decisions about your risk management plan.

Ready to see what your insureon agent has to offer? Simply complete our online insurance application to get started today!

Next: Part 3: When to Update Your Business Insurance Policies

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The House Insurance Built: Risk Management for Builders & Contractors
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