Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

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Captive Agents - Captive insurance agents represent just one insurance carrier. In essence, they are employees of the carrier. The upside of working with a captive agent is that he or she has exceptionally thorough product knowledge. The downside is that he/she cannot provide access to products or pricing from outside their respective company. For this reason, you must have a high tolerance for carrier-specific terms, since each carrier and its in-house representatives may use language that is tough to compare across several companies that you encounter. Nevertheless, tap into that exceptional product knowledge and get smarter along the way as you search. The surge in online insurance websites offers consumers yet another option to use as part of their selection strategy. It is easy to find an insurance agent online, particularly one from a national insurance provider. Moreover, with 24-7 online access and quick comparison of policies, these web services are convenient, quick and a great way to ballpark quotes and to give you exposure to a wide variety of insurance providers. When you find one that is appealing to you, give them a call or fill out an agent request online.

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The biggest downside to using a car insurance broker is that it may be completely unnecessary. That’s because you can usually go directly to a car insurance company’s website and either apply for coverage directly on the page or get a number to call the company and take it from there. You’ll pay about the same rate, and maybe even less if there’s no commission baked into your premium.
A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.
If you have a persuasive personality, a strong aptitude for working with numbers and a desire to help others, you might enjoy a career as an insurance salesperson. Your options include a path as an insurance broker or insurance agent. While both occupations involve the sale of insurance policies, there are also some important differences to consider.

Also known as AARP, The Hartford was the recipient of the 2016 J.D. Power study for car insurance companies ability to handle claims. The Hartford scored 5/5 stars for nearly every step of the claims process; from notifying them, to the repair process, and the final settlement. Those who think a smooth claims process is the most important factor for car insurance, The Hartford should definitely be considered.

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Since the beginning, Barrows Insurance Agency has continued to operate under the same concept as today: to be there for our customers. We have been helping individuals, families and businesses for more than 40 years, offering auto, homeowners, business and life insurance, in addition to specialty coverages, such as motorcycle, renters, classic car and umbrella insurance. Call us today to see how we can help ensure that you and your loved ones are protected.

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Don't forget to ask about the optional protection of a personal umbrella liability policy. Umbrella Coverage from $1,000,000 for individuals wanting higher liability protection. Most home and auto insurance policies stop at $500,000 liability coverage. A personal umbrella policy provides coverage on top of basic auto and home insurance: $1,000,000 to $10,000,000 available.

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As one of the leading agencies in Northwest Ohio, we view ourselves as strongly committed to our clients, our company partners and our communities. Our agency offers a broad range of insurance products and services, including auto, home, business, farm, health and life. We are aware that every individual, farm or business has unique insurance coverage needs.
PURE Insurance is the marketing name used to refer to Privilege Underwriters Reciprocal Exchange (PURE), a Florida domiciled reciprocal insurer, as well as other entities in the PURE Group of Insurance Companies. This material is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions.
Insurance brokers perform a plethora of duties for individuals and businesses in search of the right insurance for them. When you contact an insurance broker for a quote, he will acquire some information and assess your individual needs. An insurance broker will compare the coverage of various insurers to get you the best conditions and rates. A broker will also search for opportunities to combine different types of insurances to obtain discounts or reduce premiums. As brokers do not work for the insurance companies, their recommendations are unbiased and in favor of the insurance buyer.

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Several years ago, National Office Services, Inc., experienced a significant loss due to a fire in their manufacturing facility. CEO Greg Schneider discusses how Brooker Insurance helped foster an immediate response in order to clean up, re-build, and restore business operations as quickly as possible. A fast claims response is essential for anyone suffering a loss.

Brokers also can help you navigate the application process, such as finding the right documents to submit. When you choose how much coverage you need in each component of the car insurance policy, the broker can help you understand what that coverage means and how much he or she recommends for your particular situation. The car insurance broker can also help you add additional coverage, such as in components beyond the baseline that can enhance your financial protection further.

Insurance agents have a responsibility to the insurance company.  Agents act as the insurance company representative in the buying process as they are typically salaried employees.   Most insurance agents are “Captive” to represent only one company, such as: Allstate, State Farm, Farmer, etc.  Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.  

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An insurance agent helps clients choose insurance policies that suit their needs. He or she may also be called an insurance sales agent. Clients include individuals and families as well as businesses. A captive agent works for a specific insurance company and only sells that company's products, while other agents work independently or for a broker, and sell products from multiple insurance companies.

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Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.

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Several years ago, National Office Services, Inc., experienced a significant loss due to a fire in their manufacturing facility. CEO Greg Schneider discusses how Brooker Insurance helped foster an immediate response in order to clean up, re-build, and restore business operations as quickly as possible. A fast claims response is essential for anyone suffering a loss.

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Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group will contact you to provide requested information.

How To Buy Insurance After Open Enrollment

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