Let’s face it: insurance is hard. For many it’s a headache or an afterthought – and the best-case scenario is never having to deal with it at all. If you’re a business leader, sifting through complex insurance paperwork is so taxing that you try to do so as seldom as possible (once a year, at best).
As a personal customer, selecting a policy means sourcing quotes from any number of companies online – and comparing/contrasting them can be like deciphering hieroglyphics. Then, when it comes to actually needing your insurance, there’s no shortage of horror stories about customer service. You’re treated more like a policy number than a person – and filing or tracking progress on your claim can mean hours of jumping through hoops and waiting on hold.
Wouldn’t it be nice if someone else did all that hoop-jumping and hieroglyphic-deciphering on your behalf?
What is an Independent Insurance Agency?
If you’re already a client of Hagan Hamilton Insurance Solutions, you’re probably accustomed to the benefits of working with an independent agent. But for those of you who are unfamiliar, an independent insurance agency acts as your partner and advocate with insurance carriers. They aren’t beholden to any one provider, which means they can draw on partnerships with several (or, in our case, over 100) insurance companies to help you find the right coverage for your needs.
They take all the legwork off your plate – including coordinating with carriers, obtaining quotes and assembling the information in a way that is easy to digest. Your agent will then walk you through your options and the pros and cons of each, so you can make an informed decision. When it comes time for your policy renewal, they’ll do it all over again – and let you know if there are opportunities to lower your rates (all without you having to lift a finger).
“When my renewal came up, Hagan Hamilton Insurance Solutions called me and told me my rates were going down. That was a wow moment – I hadn’t even asked them to shop around.”— Commercial & Personal Lines Customer
And if the time comes to file a claim, your agency partner is right there with you – going to bat for you with insurance companies.
The Value of Working with an Independent Insurance Agency
“They are a full-service agency that really understands the market. There is a lot of breadth of their knowledge in the industry.”— Employee Benefits Customer
That’s not all, though. Here are some of the other benefits to working with an independent agency:
- Options: When purchasing a home appliance, are you more likely to go straight to Maytag, or visit a store where you can peruse multiple brands? Working directly with the carrier means your policy selection is limited. Whereas, you might say an independent agency is like the “Lowes or Home Depot” of insurance. Browse your options to know what policy is right for you.
- One Stop Shop: Likewise, there’s a reason that superstores like Target and Walmart are so successful: they save you from having to make three separate trips for toothpaste, a screwdriver and an avocado. Did you know that working with an independent agency means you can house all your insurance needs (from Home & Auto, to Life & Health… all the way to Commercial Insurance and Employee Benefits) under one roof
- Personalization: If you’ve ever worked with a personal shopper, you may be familiar with the awe that comes with trying something perfect on for the first time. That’s because that person is uniquely attuned to your specific needs, size and style preferences. What if we told you that an independent insurance agent could give you the same feeling? Okay, maybe they can’t find you a flattering pair of jeans… but they can make policy recommendations based on your unique situation and priorities.
- Local: There are also benefits to working with a company that is locally owned and operated. Independent agents share your interest in the community where you live and understand the benefits and challenges of living in your area. They employ local people, pay local taxes and give back to the community in charitable ways. They sponsor youth sports teams, support local organizations and buy from your local businesses… so you get the peace of mind of working with a neighbor and friend.
“Hagan Hamilton Insurance Solutions will do the homework to understand your business in detail. They don’t put you in a box; they tailor your insurance to who you are.” — Commercial Lines Customer
It’s true, insurance is hard – but working with an independent agency makes it just a little more manageable. After all, there’s no better way to handle your insurance than to work with someone who will handle it for you.
“Hagan Hamilton Insurance Solutions has helped us with personal, business and health insurance for more than a decade and we have always been grateful for their support. This year they helped us save 40% on our auto and home owner’s policies. Big thanks for doing a terrific job navigating the confusing and complicated world of insurance.”
— Personal, Business and Health Insurance Customer
Interested in learning more about how our independent insurance agency can help you find the right insurance coverage? Give us a call today.
Already a Hagan Hamilton client? Check out our Referral Rewards Program, and share this post with a friend!
