A question that I am often asked by businesses is why they should use a Commercial Insurance Broker to look after their Insurances rather than obtaining on-line quotations or by using some other intermediary such as the banks. In this article I will outline the primary reasons that set Commercial Insurance Brokers apart from the rest of the purchasing channels available to business and commerce, which are as follows:
· An Insurance Broker acts independently from any Insurance Company and act at all times in the best interests of their client not the Insurer.
· Brokers have access to a wide range of Insurers and Insurance schemes which enables them to provide Insurance covers for all types of businesses at competitive premiums whilst providing the best cover available.
· A Commercial Insurance Broker will work with you, getting to understand your business and develop a risk protection programme to safeguard the business, obtaining the right Insurance cover at the most competitive of premiums. Brokers act as advisers and in the best interests of your business to assist in the protection of all the work that goes into and sustaining a business
· As a specialist, a Commercial Insurance Broker will explain clearly the Insurances available to protect the business and how they operate and explain the differences in the Insurance options that you may have, enabling you to make a fully informed decision with regard to your Insurance purchases.
· In the unfortunate event of a claim occurring, a Broker will assist in several ways. Firstly, advising on what can be claimed for. Secondly assisting in the preparation and presentation of the claims detail to the Insurer and thirdly working with you and the Insurer to make the process and progression of the claim as smooth as possible.
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