#1 of 11 - Know Your Insurer We represent a number of fine companies, and we know which ones want your business. In short, we do the shopping for you.
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#2 of 11 - Gaps and Overlaps Take advantage of our commercial overage survey that eliminates expensive overlaps and reduces the chance of devastating gaps.
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#3 of 11 - Retain Affordable Risk By prudent "risk retention," you use deductibles to reduce your overall insurance expenditure.
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#4 of 11 - Do Not Under-Insure Just as we help you not to over-insure, we work with you to review and consider all of your exposures.
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#5 of 11 - Do Not Guess At Limits Very often increased limits - especially liability - are costly when you underestimate the high-end of a law suit.
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#6 of 11 - Do Not Overlook Excess A liability policy that picks up where your primary coverage leaves off can not only save you money - it can save your business.
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#7 of 11 - Business Interruption Can any business owner afford to lose his/her income while waiting to rebuild after a fire or other catastrophe? The answer is NO!
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#8 of 11 - Check for Discounts Often insurers will provide discounts on the Policy when proper fire walls, sprinkler systems, burglar alarms, etc. are in place.
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#9 of 11 - Products LiabilityBecause you don't manufacture the products you sell,
doesn't mean you can't be sued - and won't have to pay lawyers.
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#10 of 11 - Multiple Insurers Sometimes it pays to split your coverages, we can do that when it makes economic sense to use more than one carrier.
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#11 of 11 - MOST IMPORTANT - Talk To Us
We are independent agents representing several companies that want to compete for your business. We'll do the "shopping" for you.
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