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Why Use an Independent Insurance
Broker?
There is no additional cost to the customer to purchase insurance
through qualified professionals. Some insurance products are
currently sold across the counter at banks, credit unions, travel
agencies (credit, life and disability insurance, travel medical
insurance, insurance on car rentals, etc.) More often than not by a
clerk, selling the product as an "add on" or option, not qualified
to provide proper advice, etc. This could lead to disastrous
consequences when proper/adequate coverages are not being provided.
Employer group insurance for homeowner/tenants
insurance has been around in recent years. It "may" offer premium
savings but plans are very inflexible/must "fit". They "don't offer
this", "can't do that" (i.e. boats/motors, seadoos, travel accident
& out of province medial coverages, satellite dishes, business
property/merchandise in the residence [which has become very
popular], various liability insurance extensions that may be
required).
There
are still a number of insurance companies that sell their products
direct to the consumer through their own agents, not independent
brokers. They offer their own products only, agent is a company
employee really representing the company's interests rather than you
own.
We work
for you, not for the insurance company! The only time that
insurance "really" counts is when you have a claim. If you are not
getting satisfaction, we will intervene on your behalf. We will do
everything possible to expedite matters.
We
review your requirements, determine the required coverages and shop
the market for you. Why would you do it any other way?
After so many years in the business and gaining so many contacts, we
know where to go, who to speak to and how to negotiate the best
terms.
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