If the unexpected occurs it can cost your business time, money, the ability to operate, and sometimes the capability of ever reopening. Having the proper business insurance coverage can help mitigate losses such as property damage, liability, business interruption, injured workers medical bills, and even legal fees.
Finding the correct coverages for your unique operations can be time-consuming and often daunting. Instead of navigating the industry alone, let an experienced agent, like the ones at Brooks, Todd & McNeil, help guide you to the proper coverage.
The Expertise of Independent Business Insurance Agents
While a captive insurance agent represents just one provider, an independent insurance agent will represent multiple carriers, giving clients access to a much broader range of policies and coverages. Agents who work with only a captive agent’s policies are limited in their ability to offer well-rounded advice. Brooks, Todd & McNeil has access to dozens of carriers both in the standard and non-standard markets. As a result, our agents know the various niches within the insurance industry and we are able to build a tailored insurance plan that will meet all of your needs both today and as your business grows and your exposures changes over time.
Insurance Solutions Tailored to Your Needs
Customized business insurance offers greater flexibility and fewer coverage gaps. For business owners that means greater peace of mind and the ability to focus on getting your operations up and running after a loss or interruption.
Tailored Coverage
Protecting your company can be complex. Especially in the age of e-commerce, even small businesses should consider these essential coverages:
- Property coverage and general liability
- Errors and omissions/Professional liability
- Employment Practices Liability, to protect against claims of sexual harassment, discrimination and wrongful termination.
- Cyber liability
- Employee Dishonesty
If you operate in a niche industry, you should consider more specific — but no less essential — policies. Instead of going to various insurance companies, you can talk to one independent agent and cover all your bases.
Diverse Range of Insurers
Independent agents will recommend various coverages to suit your business’ needs. Often, they will go to a combination of carriers to be sure that you are properly covered. For customers, working with an independent agent will save often many hours of contacting multiple companies for quotes and coverage options and gain access to agent only carriers. Your independent agent will do the work for you and present you with the best options available for your specific and unique needs.
Complex Coverage Needs
While some business insurance coverages are very straightforward, there are many industries with incredibly complex coverage needs. Failure to obtain the correct policies may jeopardize the ability to fulfill contractual obligations, result in fines, or in the case of an uncovered loss, result in massive financial loss or even bankruptcy. When working with the help of an independent agent, you will have the peace of mind that they have put together an insurance portfolio to mitigate losses and protect your company’s assets.
Personalized Risk Assessment
Your independent agent will want to get to know your business. They will want to identify the areas that make you unique. This may include a walk-through of your location, learning the nuances of your business, and accessing your potential areas for loss. Knowing as much about your business as possible will help them to create an insurance portfolio that will work for you.
Insurance Agents Are Advocates
In the event of a claim, independent agents can be their client’s biggest advocate. At Brooks, Todd & McNeil we have on-staff licensed and highly experienced claims facilitators that will help to walk you through every step of the process. They work for you, not the insurance carrier. This is at no extra cost to you, unlike a public adjuster or even an attorney.
The Right Independent Business Insurance Agent for Your Business
As you can see, it can be extremely beneficial to the survival of your business to work with an agent who cares about you and your business. Your independent agent can be a resource, a partner and an ally. At Brooks, Todd & McNeil, since 1839 we have proven that we can be all of those things for our clients.
Contact a Brooks, Todd & McNeil Agent Today!
Whether you’re looking for business insurance, auto insurance or any other insurance policies (homeowners, life, health, umbrella, renters insurance, Medicare and more!), we can help. As an independent insurance agency, we will compare policies from multiple carriers (we work with 87!) to customize an insurance program that meets your current needs, and as life circumstances change (i.e. a new home, new car, growing family, starting a business), we will assess your emerging exposures and recommend coverage to protect you accordingly. To learn more about our products and services, contact us today at (800) 448-4567.