How Can You Choose a Great Business Insurance Agent

Here’s what to look for:

Independence. Independent agents represent a variety of different companies—not just one. They can evaluate and compare the products of several insurance companies to find the right combination of coverage and value for each individual client.
Licensing by the state.
Number and names of companies the agent represents.
Number of years the agent and agency have been in business.
The agent’s professional designations. For example, CPCU (Chartered Property and Casualty Underwriter) and CLU (Chartered Life Underwriter) are among the industry’s most rigorous and prestigious designations.
Areas of specialization. Some agents and agencies have experience in specialized products, such as insurance for a restaurant, an IT consultant, or a home business.
Recommendations and referrals. How did you hear about the agent and the agency? Did someone you trust refer you?
Full-service capability. Is this a full-service agency for business, personal, health, and disability products?
Service representatives. Who will handle your account for routine updates and transactions?
Claims help. Ask if the agent plays a role in handling and tracking claims. Will the agent help resolve disputes that might arise with an insurance company?
Policy review. Does the agency occasionally review and update policies to make sure your insurance is keeping pace with changes in your situation?
Industry associations. Does your agent participate in any local, state, or national trade