When it comes to insurance, you deserve the best. Insurance is an investment, and you should treat it as you would any other important business purchase. Your small business insurance broker should be helping you manage your risks, not simply getting you an insurance policy.
Here are five things you should expect from your broker to make sure you get the most value:
1. Identify the biggest risks
Insurance exists to protect you from your biggest risks. So, it is only fair that your broker is able to help you identify them, and create a policy best suited to address them.
2. Suggest ways to mitigate risks
Brokers exist not only to insure you but to help be risk advisors. Experience brokers can suggest ways to minimize your risk, which would also result in lower premiums over time.
3. Shop around
Brokers should go to multiple insurers to try and find you the best policy, not just the lowest price.
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4. In-depth explanation
Insurance can be complicated, but it doesn’t have to be. Your broker should be able to summarize what you are covered for, but more importantly, what you are not covered for.
5. Simple interactions
You should insist that your broker be flexible in how he/she operates. You should not be expected to rely on phone calls between 9 and 5 pm (when you are busy running your business), fax machines and cheques. Ask for more convenient options.
If you are not getting the value you expect, look around for another licensed broker. You are the customer, and you should get the best for your money.
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