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We offer commercial insurance by phone, online and through independent agents. Independent Agent Insurance makes all the difference.

In today’s world, business owners have a lot of decisions to make when it comes to protecting their business. One of the most important decisions a business owner can make is to purchase commercial insurance from an independent agent. Commercial insurance provides businesses with a financial safety net should a covered event cause a loss in their business. It is essential to have the right type of coverage and the right amount of coverage to protect the business and its assets. Buying commercial insurance from an independent agent provides a business owner with the expertise, advice, and options they need to make an informed decision and to get the coverage they need.

What is an Independent Agent?

An independent agent is a licensed insurance professional who works with multiple insurance companies to find the best coverage and rates for their clients. Independent agents are not tied to any one insurance company, so they can shop around to find the best coverage for their clients. They are knowledgeable about the different types of coverage available and can provide advice and guidance to help their clients choose the best coverage for their business.

Benefits of Buying Commercial Insurance from an Independent Agent

There are several benefits to buying commercial insurance from an independent agent. The first is that they can provide expert advice and guidance to their clients. Since they are not tied to any one insurance company, they can provide unbiased advice and help the client choose the right coverage for their business. Additionally, they can shop around to multiple insurance companies to find the best coverage and rates for their clients.

Another benefit of using an independent agent is that they are more accessible than larger insurers. Business owners can contact their agent directly to ask questions and discuss their coverage needs. This makes it easier for business owners to get the help and advice they need without having to deal with a larger insurer’s customer service department.

Finally, independent agents are more likely to have access to specialized coverage options that larger insurers may not offer. This can be especially beneficial for business owners who have unique or unusual risks that need to be covered.

Types of Commercial Insurance

There are several types of commercial insurance that businesses can purchase from an independent agent. Some of the most common types of commercial coverage include:

General Liability Insurance: This type of coverage provides protection against claims or lawsuits in the event that a third party is injured or their property is damaged as a result of the business’s operations.

Property Insurance: This type of coverage provides protection for the business’s physical assets, such as buildings, equipment, inventory, and furniture.

Business Interruption Insurance: This type of coverage provides protection against losses due to a covered event, such as a fire or natural disaster, that causes the business to close temporarily.

Employee Benefits Insurance: This type of coverage provides protection for employee benefits, such as life, disability, and health insurance.

Cyber Liability Insurance: This type of coverage provides protection against losses due to data breaches or other cyber-related incidents.

Workers’ Compensation Insurance: This type of coverage provides protection for employees who are injured on the job and unable to work.

Umbrella Liability Insurance: This type of coverage provides additional liability protection for claims that exceed the limits of other policies.

Choosing the Right Coverage

When it comes to choosing the right coverage for their business, business owners should take into account their individual needs and risks. An independent agent can help business owners assess their risks and determine the best type and amount of coverage for their business. It is important to have the right coverage in place to protect the business and its assets.

Buying commercial insurance from an independent agent is an important decision for business owners. An independent agent can provide expert advice, options, and access to specialized coverage that may not be available through larger insurers. They can also shop around to multiple insurance companies to find the best coverage and rates for their clients. It is important for business owners to assess their risks and ensure that they have the right type and amount of coverage in place to protect their business and its assets.

People have been relying on Independent Agent Insurance for decades to provide accurate and timely advice on properly insuring what they own and care about. Once you experience the difference a caring professional makes, you may not want to call large insurance company direct call centers and buy from people licensed less than one year.

Our average agent has ten years experience with some as much as 30 years of service helping people like yourself.  These same people will assist you by explaining you options, maximizing all discounts and provide excellent service on your policy.

Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law. Since independent agents work with multiple companies they can find you the best quotes on home and auto insurance packages and find the best commercial or business insurance available. So if you are searching for Personal or Business insurance, Independent Agent Insurance representatives are free to shop multiple providers on your behalf.

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