Smart small business owners know they need to do their due diligence in researching insurance coverage, and you’ll likely be able to figure some of it out on your own with the variety of insurance comparison tools and online resources available. Still, it’s wise to seek professional assistance to help you compare rates and coverage.
“There are many hidden risks associated with running a business, and while you’ll think of many, you probably won’t think of them all,” Gibbons said. “Getting advice from an independent agent will give you peace of mind in knowing that you aren’t overlooking something important. An agent can tell you precisely what type of coverage you need based on the type of business you operate so you don’t under- or overpurchase.”
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David Lupica, a division president at ACE Commercial Risk Services, agreed, adding that a good agent can help business owners trim costs while minimizing their exposures. “The agent can help the small business owner successfully navigate by purchasing the right amount of coverage for their needs, consider the best deductibles and possibly bundle coverage from one carrier,” Lupica said.
Devine reminded business owners that price isn’t the only consideration they should make when choosing a policy, and an agent can help you find the best value for your budget.
“Sometimes, the cheapest policy is a terrible deal because it doesn’t offer the kind of coverage you need, or it has a deductible so high you can’t afford it,” he said. “Working with an agent who understands both your industry and small businesses can make a huge difference in the quality of policy you get because that agent can walk you through the policy and answer your questions.”