Why work with an independent insurance agent?

 In Best Practices, Insurance Advice, Insurance Information

As a small business owner, you already have many responsibilities on a day to day basis. Worrying about your business insurance should not be one of them. That’s why it’s extremely beneficial for small business owners to work with an independent insurance agent. By working with an agent directly, you can explain the ins and outs of your business and the agent can find the best coverage to protect you. Here are other benefits of working with a local agent.

Personalized Service

One of the main benefits of working with an independent agent is that you get personalized service for your individual needs. When you have a coverage question, you don’t want to reach an automated system. You want to talk to an actual person. In addition, as your agent becomes more familiar with your business and its needs, they can provide additional resources that might be pertinent to you. Your agent can review your coverage options when it comes time for renewal and suggest changes or inform you of new coverage options as they become available.

Community & Reputation

From a geographical standpoint, local insurance agents have a better idea of what type of coverage you need based on your business’ location. For example, your agent would know if your location is at higher risk of flooding, which means you may require additional flood insurance if your regular property insurance doesn’t already cover it. Local agents also have more insight to local and state laws than online providers. Working with a local insurance agent means they know your community as well as you do. There’s a comfort in working with someone that has a positive reputation from other businesses or your friends and family in the area.


Insurance can easily become confusing and overwhelming, especially if it’s not something you’re used to dealing with. Insurance agents know this and they want to work with you so you can better understand it. Communication with your agent doesn’t end once you pick and purchase a policy. It is an ongoing relationship that will continue to grow as they update your policy and answer questions as they arise.

Saving Time & Money

Working with an independent agent can save your business money and time in the long run. Instead of providing you with an instant, cheap rate like big insurance companies do, independent agents will ask questions and take the time to familiarize themselves with your business to ensure that the coverage they find will best protect you and your assets. They will research the company that best suits your business. If for some reason a claim does need to be filed, a local insurance agent is there to handle it for you! They’ll focus on the details while you focus on your business.

Multiple Options

There may be more than one tool for the job. If you have a challenge or unique situation, an independent agent has multiple resources available through their different partners to find an answer to best help you. With access to multiple carriers, an independent agent can solve those issues, or create customized protection for your business or family at competitive pricing, unlike agents representing just one company/one product that may not offer you a solution.

If you’re looking to insure your business or want to make adjustments with coverages that will better fit your needs, call your local independent agents at American Advantage – IFS today! We’re here to help every step of the way. (262) 696-5800

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