Business insurance - Why use a broker when you’re buying insurance by Floyd Arthur (PPT) http://carmoongroup.com

1. Business Insurance: Why
Use A Broker When You’re
Buying Insurance?
By Floyd Arthur

2. These days, buying
insurance seems like an
easy do-it-yourself job.
With so many

3. companies offering
customers the option of
shopping online, many
people think that the

4. way to shop for the best
coverage is to get a few
online quotes and then
pick the

5. company that offers the
best rates.

6. But there is more to
buying insurance than
meets the eye. To make a
truly informed

7. decision, you need to do a
side-by-side comparison
of more than just rates,
and have a

8. good understanding of
the complex language of
“insurance-speak.” That’s
why having a

9. licensed insurance
broker as an ally is a
great idea.

10. What An Insurance
Broker Does

11. An insurance broker
works for customers, not
companies. A typical
broker has

12. affiliations with a number
of insurers, each of which
offers different types of
policies at

13. different rates. Insurance
brokers are licensed
professionals, trained to
recognize your

14. specific risk profile and
choose policies that
provide the appropriate
amount of coverage

15. to meet your needs.

16. An insurance broker can
also guide you through
the claims process and
ensure a fast

17. and fair settlement from
your insurer should you
experience a covered
loss. If the

18. insurance company
disputes a claim, the
broker acts as your
advocate, using his
knowledge

19. and expertise to help
resolve the issue quickly
so you can get on with
your life.

20. Buying Insurance
Through An Insurance
Broker

21. Buying insurance
through a broker has a
number of advantage
over a DIY approach.

22. These include:

23. o Choice -- Insurance
brokers have
relationships with many
different insurance

24. companies. Some of
these don’t sell directly to
consumers and some
don’t have a

25. presence online.
Because brokers have no
agenda other than to
serve their client’s

26. interests, they have no
incentive to sell you
anything but the best
coverage for

27. your individual needs.

28. o Price -- When you buy
insurance through a
broker, the insurance
company pays

29. him a commission
(typically between 2 and
8 percent), so his advice
is provided

30. to you free of charge.
Additionally, many
insurance companies
discount policies

31. purchased through a
broker, so you, the
consumer, often come out
ahead.

32. o Ease --Although the best
way to meet with an
insurance broker is face-
to-face,

33. most offer online contact
forms and telephone
consultations as well.

34. Furthermore, brokers are
far more personal in their
approach to customer
service

35. than large insurance
companies, so you can
expect faster and better
service if you

36. need to make changes or
additions to your your
policy later on.

37. o Trust -- Trust is a hard
commodity to measure,
but most consumers feel
that

38. dealing with a broker
offers them a feeling of
security that they don’t
get when

39. they buy insurance on
their own. Brokers are
trained to explain
options, offer

40. advice, answer questions
and guide you to the right
choice -- which
translates to

41. greater satisfaction later
on.

42. At Carmoon Group, we are
experts in providing
customized insurance
solutions for

43. individuals, families and
businesses of all kinds.
We work hard to ensure
that every one

44. of our clients gets the
right coverage at the best
possible price. Give us a
call at 516-292-

45. 3780 to set up an
appointment for your
insurance review. We’re
here Monday through

46. Friday from 9 a.m. to 6
p.m. No time to call? Just
fill out our online form
and we will get

47. back to you within one
business day.

48. Visit
www.Carmoongroup.com
for FREE 30-Minutes
Consultation Now!!!