Why You Should Work with a Local Insurance Agent

 

Attention all insurance seekers! When it comes to selecting an insurance policy, it can be tempting to choose the first option that appears on your screen.

But have you considered the benefits of working with a local insurance agent? They can provide support and guidance throughout the process, and even beyond getting your policy started.

When it comes to finding the right insurance policy, a local agent offers unique benefits that online marketplaces cannot. Local agents have a better understanding of their community and can provide more personalized service. They can also provide guidance on the appropriate insurance coverage for your particular needs.

So, let us dive into the world of local insurance agents and why they should be your go-to option for all your insurance needs.

Why Choose a Local Insurance Agent over a National Company?

Choosing a local insurance agent over a national company has many advantages. These include personalized attention, better knowledge of the local area, and access to a wider range of policies.

Your local insurance agent can help you determine the best type of insurance coverage based on your unique needs. They can also help you find the most affordable policy that fits your budget.

Working with a local agent ensures that you have an advocate looking after your interests. In the event of filing a claim, your local insurance agent can offer hands-on help. This includes keeping you informed about your claim status and ensuring that you are being treated fairly.

Working with a Local Insurance Agent Saves Time & Money

A local insurance agent can save you both time and money by doing the legwork for you. They can find you the best insurance quote and coverage that perfectly fits your unique needs.

With many different coverage options available, insurance can become very complex. When you work with a local insurance agent, they can explain the different types of insurance policies available. This will make sure that you have a clear understanding of the right protection for your home, business, auto, finances, and future.

Many local insurance agencies have access to coverage offered by multiple insurance companies. These relationships allow local agents to access exclusive rates, deals, and discounts that you might not be able to get on your own.

Personalized Attention for Your Insurance Needs

Working with a local insurance agent means that you will receive personalized attention throughout the process. You will have a dedicated agent who knows you and your insurance requirements. They will help you select the right insurance coverage, answer your questions, and provide the support you need when you need it.

When looking for an insurance policy that meets your needs, it is essential to have a trustworthy advisor who cares about your future. Local agents are familiar with the local insurance market and can recommend the best policy and provider for you. They not only help you find the right policy to protect you, but they care about being there when it matters most.

Knowledge of Your Local Area

Local insurance agents have a better understanding of the communities they serve and other aspects that can impact your insurance coverage. They can advise you on the best type of coverage depending on the risks associated with your area.

Also, they know the local businesses, schools, and other essential parts of your neighborhood. This can help them assist you better in case of any claims.

Wider Range of Policies

When you choose to work with a local insurance agent, you get access to a more comprehensive range of insurance policies. National insurance companies sell policies that are standard across the country. Local agents often have access to policies tailored to the needs of their specific region.

Your local insurance agent can help you find an insurance policy that meets your unique needs while offering the coverage you require.

Easy Access to Assistance

If you need help making a claim or have questions about your policy, a local insurance agent is just a phone call away. They can provide you with fast and easy solutions to any issues that may arise. You do not have to navigate a complex phone system or wait on hold for hours as you would with national insurance companies.

Lower Insurance Costs

Working with a local insurance agency can often lead to lower insurance costs since they have a stronger understanding of the local market. Local insurance agents can often negotiate better rates and discounts for policyholders. A local agent can help you make an apples-to-apples comparison of insurance quotes from different providers to ensure you are getting the best possible price.

Support Your Local Economy

By working with a local insurance agent, you are supporting your local economy. Local insurance agencies are small businesses that rely on their community's support to continue providing their services. Choosing to work with a local insurance agent helps keep jobs and boosts the local economy, which in turn, can make your community a better place to live.

Work with a Local Insurance Agency

Working with a local insurance agent has numerous benefits. From personalized service to strong relationships in the community, a local agent can provide you with the coverage and support you need.

At Tom Needham Insurance Agency, we are committed to helping you with all your insurance needs. Our team of experienced professionals understands the importance of developing long-term relationships with our clients.

So, if you are looking for reliable and trustworthy insurance coverage, look no further. Contact us today, and let us help you protect what matters most.

When Should You Consider Getting Professional Liability Insurance?

More than 100 million cases get filed each year in state courts across the country. Most of these are lawsuits that claim wrongdoing of some type by individuals, companies, or other entities.

Most people think lawsuits involve egregious wrongdoing that harms another person. That is often the case, but there are other scenarios as well. These include making mistakes that cause harm in some way, such as a client losing money.

This is where professional liability insurance comes in. It protects you, should you be found guilty of negligence. But not every business or professional needs this coverage.

The information below will tell you when you should consider getting a professional liability policy. Keep reading to find out more about these plans and how they can protect you and your business.

What Is Professional Liability Insurance?

Professional liability insurance is like other types of insurance policies. It protects you and your business from lawsuits alleging mistakes that harm another party.

It is different from general liability coverage, which covers physical harm. An example is a customer becoming injured on your property.

General liability also protects you against claims that you hurt someone's reputation. This includes things like libel or slander suits.

In general, professional liability insurance covers you against lawsuits that say you failed in your business obligations. Specifically, it protects you from damages related to money or time that your client lost, that was a direct result of something you did or failed to do. This is why professional liability insurance is often called “errors and omissions insurance.”

There are two main types. "Claims-made" policies cover you for incidents that occur and get reported while the policy is active.

"Occurrence" policies also cover you for incidents that occur when the policy is active. They also include incidents reported after the policy has ended (as well as those made when it was active).

When Should You Get Business Insurance?

Most business owners, managers, or anyone in administrative positions need professional liability insurance. These include:

• Medical professionals
• Lawyers
• Accountants
• Architects
• Engineers
• Technology professionals

These are all examples of occupations most susceptible to lawsuits. Different types of consultants, like financial advisors, should also consider getting such coverage.

There is another reason to consider getting professional liability insurance: peace of mind. If your business does not fall into one of the categories above, but you have concerns about the threat of lawsuits, liability coverage can offer protection. Most basic policies have premiums that are very reasonable, so have little to lose by putting that safety net against legal exposure.

Find a Comprehensive Policy

Now that you understand the main situations where you need professional liability insurance, you can look for a plan that meets your coverage needs. It will give you the peace of mind that you are protected should the unexpected occur.

At Tom Needham Insurance Agency, we are dedicated to our clients. We work hard to ensure you find the best insurance products and premiums available. Reach out to us today for help finding a professional liability policy that fits your needs.