When you purchase insurance, the coverage should ideally feel like it was designed for you. It’s not always so easy to find a policy that provides just the right level of protection, however, and it’s a serious challenge if you only ever consider a single company’s offerings.
Fortunately, there is a better option. Independent insurance brokers, like Bowthorpe and Associate Insurance Producers, are able to work with a number of different companies, ensuring their customers have access to options that can be customized to their specific needs. The result is real choice, true advocacy, and peace of mind in your insurance solutions.
Independent or Captive Agents?
Independent insurance brokers are the key differentiators that insurance shoppers should look for when making decisions about their coverage needs. Independent brokers represent multiple companies and can shop around on their clients’ behalf. Captive agents, on the other hand, can only work with one company and will only offer its products. Insurance brokers bring experience, personalized service, and true choice to the equation, regardless of where your life or business insurance journey may take you.
Advocacy and Choice
The value of choice cannot be overstated when it comes to insurance. Consumers are often confronted with a one-size-fits-all proposition from many providers, and even if they can get additional coverage, it is still likely to come from the same place. Independent insurance producers, by comparison, work with multiple companies on a regular basis. Bowthorpe and Associate Insurance Producers are committed to using their connections with the highest-rated insurance carriers to deliver choice, allowing them to find the most appropriate coverage, prices, and features to match your personal situation, budget, and future goals.
Tailored Service
Insurance is a personal service, and independent brokers understand that. Your needs are unique, and your coverage should be, too. Whether you have a small business with rapidly changing risks, a growing family and a home you need to protect, or specialized coverage for high-value items or interests, a company like Bowthorpe and Associate Insurance Producers has the experience and independence to craft the exact type of policy you need.
This also means that you will not be paying for unnecessary coverage or leaving yourself short in the event of an incident. Your independent broker will review your policies from time to time, making suggestions and giving you timely updates as your needs evolve. If you buy a new car, take out a business loan, or decide to renovate your home, your independent broker will be there to ensure your protection matches your new circumstances.
Brokers Are a True Support System
Bowthorpe and Associate Insurance Producers are committed to standing by their customers. They are there for you, not just to sell a policy but to provide assistance, clarify questions and explain coverage options at every stage of your insurance journey. Should the worst happen and you have to file a claim, your broker will be with you every step of the way, helping you secure the best possible outcome and acting as your advocate in a time of need.
For many, the hands-on support offered by a good insurance broker can be the difference between a stressful situation and it becoming utterly overwhelming.
Cost Savings
Insurance should be competitively priced and give you value for your money, and independent brokers can usually help you find a policy that does. They source quotes from a variety of different insurers and can often identify discounts and package deals that save you money while still fitting your budget. The support from an independent broker frequently leads to lower premiums and better value overall.
Independent brokers are also likely to help you find even better rates and value in the future. They stay abreast of insurance market trends, new regulations, and changes to existing laws, ensuring that you always have access to the best possible options.
Insights and Expertise
Insurance brokers have the knowledge and experience you need on your side. Whether it is industry-specific business insurance, professional liability, or coverage for unique assets, the team at Bowthorpe and Associate Insurance Producers can help you work through any complexity you encounter. Their insights will help you understand, plan, and avoid potential issues that could arise down the road.
Business owners, in particular, should pay close attention to the value of independent brokers when it comes to insurance. The advisors at Bowthorpe and Associate Insurance Producers will help your company work through rapidly changing insurance requirements, identify business exposures, and develop solutions that support growth and stability.
Bowthorpe and Associate Insurance Producers Make a Difference
Bowthorpe and Associate Insurance Producers aren’t simply a captive of one insurance company’s offerings. Their independent status allows them to take a genuinely customized approach to your insurance needs, and at every stage of the process, your best interests come first. The insurance team offers their clients real choice, proactive support, and personal care from start to finish.
FAQ: Independent Insurance Brokers
What is the difference between an independent broker and an insurance agent?
Independent brokers can offer multiple insurance products from various companies and have access to a greater range of policy options and coverage choices. Insurance agents (also called captive agents) can only offer policies from a single company.
Can an independent broker help me save money on insurance?
Yes. Independent brokers compare policies from various companies to find the best combination of price and coverage, often unearthing discounts and features you would be unlikely to find on your own.
Can I switch insurance companies through an independent broker?
Yes. With an independent broker, it’s easier to switch to a new insurance carrier if your needs change or you find a better rate, while still having access to the same trusted advisor.
Are independent insurance brokers a good option for business insurance?
Absolutely. Independent brokers understand how to analyze unique business risks and develop comprehensive policies that are custom-fit to your company and offer real protection.
How do I contact Bowthorpe and Associate Insurance Producers?
Contact the team via their website to set up a no-obligation consultation. They’ll get to know you, review your current coverage, and recommend customized options to suit your individual needs.