Written by Emily Bollinger Miller
A local Insurance agent serves as a guiding light to families and companies. Helping to navigate the process of identifying risks and exposures, designing an insurance program to adequately protect families and/or entities and implementing and monitoring the program to make sure that when there is a loss, the insurance company can respond and make the family and/or entity whole again.
Sounds comprehensive and thorough, right?! In today’s digital world, it is tempting to trust this process and evaluation to technology – however, knowing the intricacies of your family and/or your business is very difficult for a software program. A local agent is often submersed in the community, aware of the exposures present and the trends pertaining to your geographical location and/or industry. The time is takes to consult with an agent is well worth the benefit of having a customized insurance plan that lives up to your expectations.
Insurance is an intangible product – a contract between you and the company that each party promises to uphold. Agents are professionally trained and licensed to decipher and educate clients on the coverages included, available and unique to the individual that is purchasing the policy. There is much fancy language in the contract and a consumer must ask themselves, “Will this policy do what I expect it and need it to do?” An agent is a great resource to answer questions and provide scenarios that are specific to you.
Earlier this year, I visited a client that suffered a total fire loss of their business. Walking around the pile of what used to be their shop, we discussed the event, how best to proceed, what to expect and was quickly able to dream about what the future will hold as they work to rebuild. We have worked together for years to plan for the chance that this exact moment would happen. Our careful diligence in making sure coverage limits, loss terms and coverage options were precisely what this client wanted allowed us the comfort of knowing that this business will re-open and this family will continue to thrive. It is an agent’s job and responsibility to care enough to properly protect and secure our client’s assets.
After all, a guiding light serves as a beacon of hope, provides resilience in adversity and guidance in times of turmoil. A local insurance agent is ready and willing to support you, your family and business in this capacity.
