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Three Ways Good Questions Benefit Your Business Insurance Quotes and Renewal
So let’s face it. As much as all of us try to make things “as simple as one, two, three” for customers and ourselves, the truth is some things just take good work and attention to detail. This couldn’t be any truer when it comes to things that pertain to our businesses. You also know the importance of a support system for your business regardless of the size and years in operation. This is when a seasoned professional is your designated hitter. For business insurance, this means a pro that knows the industry, relies on knowledge and experience, and asks all the right questions.
“Why do all the questions for Business Insurance?”
During a conversation with one of our Business Insurance Specialists, Angela, I asked, “What’s something, in particular, you notice from business managers looking for competitive quotes on businesses insurance?” To which she immediately responded, “Too often, business owners, especially new entrepreneurs feel nervous providing information or are unfamiliar with the quote process.” This is common and understandable, as we know how unsettling shopping for business insurance can be, but the right questions will make all the difference. This is where pros like our Business Insurance Specialists shine by finding the best coverage at the best price and truly supporting businesses. A good agent, like our specialists, will be good at exposing your exposures. What does that mean? In other words, there may be areas in your business that are exposed to financial liability or loss that you are not aware of, so the quoting process will hopefully identify some of them. Uncovering these areas and providing you with adequate information will empower you to protect your business in a way that truly gives you and those you work with a peace of mind. Here are three important ways good questioning from our Business Insurance Specialist benefit you when shopping or renewing a business insurance policy:
1) Finding adequate coverage
While this may be less common with straightforward businesses, such as a carpet cleaning operation, other businesses may be more complex to describe properly, making it challenging to find an insurance company that covers your operations or getting the most competitive rate. For example, during an online search, an insurance company may try to categorize your line of business by asking you to choose from a list of categories. Some simply don’t have the time to scroll through a long list; others may find it difficult to choose an option as they feel none of the categories completely represents their business, so they simply select “other”. Another example commonly seen is that of a landscaper that primarily maintains yards in commercial and residential properties. When asked if they do tree trimming (which is an area of importance to insurance companies) they might say “yes” even if they don’t. They could be saying “yes” because they think this will keep their options open if they decide to get into tree trimming in the future. In cases like these, our Specialists dig deeper by asking questions that get into the specifics of your business. By providing these specifics, we’ll find coverage that best fits your business and budget; as you know, one size does not fit all. So, in the case of the landscaper, the recommendation there might be to simply state what the business does do and make any necessary adjustments later if needed, potentially saving on unnecessary premium. See more http://blog.aisinsurance.com/2017/03/31/good-questions-benefit-your-business-insurance-quotes-and-renewal/#.WkLkmFWnGUk