What are the Benefits of Using an Independent Insurance Agent? | NJM

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What are the Benefits of Using an Independent Insurance Agent?

Here are several reasons why working with an independent agent to obtain insurance can benefit your business.

  1. Advice
    Independent agents are there to answer your questions. They can help your business navigate the quote, policy, billing, and claims documents you receive from an insurance company. As licensed industry experts, agents are valuable resources for ensuring your business has the coverage it needs.

  2. Choice
    Customers like choice, and you should be no different when shopping for your business insurance. The ability to shop your policy to multiple insurers often means that an independent agent can get more competitive quotes.

  3. Claims Proficiency
    Handling a claim can be challenging and time consuming, especially for a small business owner. Your independent agent acts as a liaison with insurers, and you can rely on them to help you navigate the process.

  4. Experience and Expertise
    Many independent agents have insight into specific industry needs. Your agent can advise you of the risks your business faces and the coverages it needs. Even if your business has unusual risks or characteristics, an independent agent can help in securing coverage. An agent can use their industry relationships to find the best match for a policyholder.

  5. Personalized Service
    An independent agent will ask the right questions and take time to get to know more about you and your business. They will work to match you with insurance that meets your business' needs and protects you, your employees, and your assets in the event of a claim.

When choosing an independent agent, decide what criteria are most important, such as geographic location, experience in your industry, and communication/response time. Ask fellow business owners who they use and their level of satisfaction.

An independent agent can help business owners understand which products can best meet their needs.

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.