As a business owner you will certainly have your own ideas on which kind of business insurance is most important for your company. Without a doubt, the most important thing to get covered immediately is “Risk”. Every business faces some type of risk and risk evolves, as the current ones change and new ones arise. Unless you consider all of your business risks first, you are sure to overlook something and that opens the door to trouble, maybe disaster!
Now that we’ve determined that risk management is of the utmost importance, what risks are you facing in your business? Since it’s your business, you are the one who would know best. You can easily point out potential risks to things like your buildings or equipment. BUT is that really all that there is to it?
What about the risks to your reputation? Have you ever thought about the risks of theft via computer, such as data breach, identity theft and the like? These are the kinds of things that can cause the closing of a business almost overnight and many times your insurance professional is the only one who is even aware that these potential disasters exist.
These are just two of the examples of insurance issues that are best dealt with by an independent insurance professional. Even though you may feel that you are the only person qualified to manage your company’s risks, you may be sure that there are many risks out there that you aren’t even aware of. It is the job of your independent insurance specialist to know all about those risks, as well as how to best protect you and your company from them!
At this point you may be asking yourself how we are able to know this information about your particular business and be able to secure you just the right protection. That’s the easy part. The first thing we do is to listen to you and what you have to say.
Then we do our research and come up with solutions to improve or certainly minimize your business risks. We then become your representative to the insurance marketplace, seeking out the best and most appropriate coverage for your business, at the most affordable prices possible.
After we have secured the best possible coverage for your business, that your budget will allow, we help you set-up a plan, using your insurance, which is customized to successfully and affordably manage your company’s risk from that day on.
This may seem to be a different approach to risk management then what you are used to. You’d be right! We take a very different approach. We like to think of it as being your partner that helps you handle your risk management and doesn’t even get a cut of the profits!
Now, in order to successfully accomplish this, we are still going to have to bug you for some paperwork, facts and figures, etc. We know it can be a big pain, but there is a reason for all of that research. We want you to get the best possible coverage at the best possible price!
As your representative to insurance carriers, we have to present them with the best package that we can. Certainly we have to give them the required information, but it goes a lot farther than that.
We have to show them why you are a great risk and why you deserve the best possible deal. If we present a great package to them, they in turn can show their bosses just how smart they are, insuring your great company with its great risk factors and why you were worthy of such great prices as well.
You may wonder why we do things the way we do. It is quite different from many of the other agencies out there and at the start it is a little more time consuming for us. Most insurance agents think of insurance as a product that they have to sell. We think of it as a solution to a problem and who doesn’t like to solve a problem.
We are not salesmen, because quite simply, we don’t sell you anything. We provide you with something that you have to have and we make every effort possible to get you the highest quality for the price that you can afford.
MrInsurability works with businesses just like yours to bridge that gap that exists between risks and positive results. As you have seen, we do far more than sell traditional insurance. A lot of places sell insurance. We sell risk management for your most valuable asset, your business.
Another thing to keep in mind is that we are independent insurance agents. We have contracts with many insurance companies. An agent who only works for one insurance company is exactly that, someone who works for a company. We, on the other hand, work for you. Our allegiance is not to our company, because we don’t have one. Our allegiance is to you, our client, because we work for you!
If you would like to work with a team of experts that will help you seek out and assess all of the possible risks your business is facing; setup and help to implement a plan to control and even reduce those risks and their costs, then MrInsurability is here for you!