Rotten Apples

On this rainy November day, I find myself reflecting upon the most common insurance sayings or topics I have heard over the last thirty four years.

The one item that quickly pops in my head is people wanting “An Apples to Apples Comparision”. You logically are asking yourself, “what’s the problem, insurance dude?”.

The intention of the insurance consumer is to make sure another agent isn’t going to omit a substantial coverage, to reduce the premium and “trick” the buyer into changing agents.

I completely understand this thought process; however, what if the apples you are comparing are already rotten? If your current policy is flawed from a coverage standpoint, you are merely duplicating an error. The error may cost you thousands of dollars at claim time.

You should take time to let an agent fully understand your insurance exposures, as well as, your insurance concerns. The agent should be able to design an insurance program for your specific needs. One policy doesn’t fit all any more than an extra small tee shirt would fit me.

Our agencies have no desire to sell our cleints every coverage, bell and whistle available in the insurance market place. We strive to understand our client’s needs, concerns, and insurance exposure. We then bring a solution to the table. Believe it or not, insurance coverage is not always the solution we offer. There any many tools to manage risk/exposure. Insurance is only one tool available to the client.

At the end of the day, we want our clients to be able to make an informed decision about their insurance program. Regardless of what you may see on a tv commercial, insurance isn’t a commodity. Insurance is an important tool to protect those things you have purchased with blood, sweat, and sometimes tears.

I leave you with one question. What kind of apples do you have?