Can you really buy insurance on your own? Can you give yourself a physical? Can you clean your teeth the way a dentist might? The answer to all these questions is no. While you can go online and buy insurance, you may not be getting the best coverage or value for your money. Business and personal insurance decisions are some of the most important financial decisions you may make, and it is important to have a licensed professional to help guide you through the process.
The safest way to secure the best possible coverage for yourself is to have an independent agent help you. The good news is that it does not cost you anymore. An independent agent can help you understand what kind of insurance you may need and then provide you with a number of insurance options. Here is an example of what we mean. Restaurants are not like any other business; they have unique risks that require certain kinds of insurance to address these risks. A restaurant needs coverage like food spoilage, liquor liability and food poisoning coverage.
An independent agent does not represent just one insurer—they represent many. This gives you more options and buying power.
If You Are in the Market for a New Agent, You Might Consider These:
- Does the agent have experience in understanding my needs?
- Will the agent be willing to meet with me in person?
- Is the agent interested in developing a relationship?
- How will the agent help me when a claim occurs?
- Does the agent have the staff necessary to manage my account?
We think you will find using an independent agent will actually save you time, and you will have insurance coverage designed to meet your individual needs. Whether you are looking for cost-effective insurance for basic needs like homeowners and automobile insurance, or something more specialized, such as insurance for RVs, motorcycles or boats, your Leap/Carpenter/Kemps agent can help you protect your assets without breaking your budget.