The Importance of an Independent Insurance Agent

Heidi & ErwinFor the last two weeks we have been discussing different elements of a policy that affects a premium. We stressed that not all policies are written the same way even if the Dollar amount of coverage is the same and this, of course, will affect the premium. Therefore, we determined that it was extremely important to review the details or fine print of each coverage provided in the policy. However, how can busy consumers be expected to know and understand all the finer points of an insurance policy? You have enough on your plate without having to become an insurance expert too!

This is where a good insurance agent or broker comes in. Imagine if you woke up with a high fever, nausea, an ugly rash, and a nose bleed. While you might look your symptoms up on the Internet to get an idea of what you had, would you go all the way to finding out what medicine you should take and then go to the pharmacy and buy it without ever seeing a trained physician? Common sense screams “No!” A visit to your trusted doctor is a foregone conclusion. Likewise, you obviously should do your homework before you purchase any insurance policy, but to do so without the advice and counsel of a trained insurance professional could lead to much heartache in the future.

Remember that your independent insurance agent or broker is like your real estate agent or attorney. They work for YOU. Just like a real estate agent is the go-between between you, the buyer of real estate, and someone selling property, insurance agents and brokers are the go-between, between you and the various insurance companies to which they have access. Anybody can sell you a policy, but GOOD insurance agents and brokers are not there to merely sell you an insurance policy. They should also provide you with sound advice about which of the many options is best for you and make sure that no gaps are left in your overall risk protection program. So when discussing insurance quotes with your agent or broker, discuss the entire quote including the details, not just the price. Always ask questions. Make sure you totally understand what you are buying before you buy it. Believe it or not, there is nothing more professionally rewarding than to obtain the best coverage for a client and still have that client save a lot of money!

So, how do you find a GOOD insurance agent or broker? Well, how do you find a good doctor, dentist, lawyer, contractor, or almost any other service provider? Referrals. Speak with your friends, co-workers, family members, and other people you trust and ask them who they use and if they would make a recommendation. Also ask WHY they would make the recommendation. Ask about the advice the agent or broker gives, the problems they helped avoid, and the satisfaction or dissatisfaction felt after submitting a claim. This will give you a good idea of who to use as your agent or broker too! Find someone with whom you can partner and trust so that you not only get insurance you can afford, but also insurance that protects you, your family, and your hard-earned assets.

- Ray Alvarez

1 Response

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My company has called on Petschauer Insurance for many years for its insurance needs: liability, liquor, auto, etc. Working with Erwin and his team has been a pleasure from beginning to present. They are quick to answer any question and provide sound advice. I have always felt that my and our needs are important to them, in theory and practice. They go the extra mile, and we continue to be well served.
Stephen Kennard from Canard Inc.
I have been with Petschauer Insurance for a long time. My account executive Lori Halloran is like family to me: she is always there when I need her and is very knowledgeable and understanding. I wouldn’t go anywhere else for my insurance needs.
Vincent Falcone
I have worked with various individuals at Petschauer and have found each to be responsive, courteous, and thoughtful. Each year, the contact for my auto policy proactively seeks new bids and has consistently saved me money on my policy.
Ryan Huber
I have had the pleasure of working with various members of the Petschauer Team, both personally and professionally for 20+ years. And I couldn’t have done it without them. They go above and beyond. Heidi, Narima, Sherri and LuAnn don’t just bring to us the products they offer, they help me to understand the specifics and evaluate what makes the most sense for me, my family and my employees. I always feel I have a better understanding of an industry I have no understanding of so that I can evaluate the offerings in a smart way, cost effective way. They are proactive with renewals, allowing us the time to do our due diligence, evaluate our plans to be sure we’re properly covered and are always there to listen and help with special circumstances. Their kindness, caring and willingness to lend an ear when needed, really makes them stand apart from the rest. Heidi and her family have built a beautiful culture at Petschauer and I highly recommend them to anyone I meet.
Jamie Stedman-Novo
Excellence in customer service and it’s a one stop shop for all my insurance needs.
Tom Haines
Petschauer is great. I never had a problem.  They always call me back. Fabulous employees who are always willing to help.
Marty Bruno
My family and I are long time personal and business clients of Petschauer Insurance. We sincerely appreciate your responsiveness and the quality of service that Petschauer provides. We have recommended your company to others because of our satisfaction with your service. We look forward to doing business with you for years to come.
Greg Weiss
Spence-Chapin has had the pleasure of working with the wonderful John Petschauer, Inc. for 15+ years. They have always provided excellent service to us–with great knowledge, expertise, and patience — even in the most challenging situations. There has not been one time when they have not been immediately accessible to us, even at a moment’s notice. We thank them for their work and celebrate their 60th anniversary, while looking forward to working with them for another 60 years and beyond!
Spence-Chapin
Quality attentive service is hard to find, but at Petschauer Insurance that’s what you can expect from their always friendly staff . It’s what we’ve experienced for all these many years.
John from Forest Pork Store Inc.
I have been with Petschauer Insurance for over twenty five years. The staff is knowledgeable and professional. Petschauer writes both my personal and commercial insurance and they provide excellent counseling. I truly trust the firm and their staff. Thank you.
Mike Matonti