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Tristate Business Insurance Blog

23 January 2014 Bookmark and Share

There’s more to rightsizing insurance coverage than picking a deductible and paying the annual premium.

When it comes to risk management, it’s so much more than just the purchase of an insurance policy. You really have to understand your clients’ lifestyle and ask them the right questions.

With an independent insurance agency you will get different insurance coverage and different service going this route than getting a direct quote from an big insurance company who only sells his own product. But you’re getting a different type of coverage, and if you pick a good independent agent, you’ll also get hand-holding in continually reassessing your exposures and finding the best solutions even after you’ve bought your policy.

Umbrella liability. Umbrella policies kick in on top of insurance policies, giving you extra liability coverage. How much do you need? Calculate your net worth. That’s a starting point for how much coverage you should have. Some policies include additional uninsured/underinsured motorist coverage and choice of defense counsel.

Hired help. Most states require that employers, even if you have hired personal help at home, provide workers compensation and disability coverage (that could be for pregnancy) for employees.

Charity work. If you’re on a board of directors for a non-profit, check out the non-profit’s liability coverage and determine if you need a separate non-profit directors and officers insurance add-on to your personal liability policy.

For more information, contact TriState Business Insurance.


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