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What Many Insurance Brokers Don’t Want You to Know
Not all insurance brokers are the same. There are some that do not have their clients’ interests as their priority. Here are some things that those insurance brokers do not want you to know regarding their services.
01
The Majority of Their Income Comes from a Single Source
Ideally, an insurance broker has access to the products from numerous insurance companies. That is one way to ensure that its clients will have plenty of options.
What some brokers might not want you to know is that their income comes from a single source. That can be a problem because they could be pushing for the company which gives them most of their income regardless of their client’s needs.
02
How Your Premium Is Calculated
Some brokers will not tell their clients how their premiums are calculated. The calculation process is deliberately confusing. Insurance companies use this method to discourage comparisons.
The First Settlement Offers Are Deliberately Low
Normally, the first settlement offer is very low. In some cases, they are the lowest amount that insurance companies are obligated to pay.
That’s one way for insurance companies to make more money and your broker might not share that detail with you.
04
The Policy Exclusions
Some brokers emphasize on the things covered by their policies without mentioning the things that are not covered. You must ask your broker for a list of events where coverage does not apply for your policy.
These are just a few of the things that other insurance brokers do not want you to know.
With Central Insurance Agency, you don’t have to worry about the lack of transparency with our services. Unlike other insurance brokers, we emphasize giving the right insurance solution for each client and not just generating profits through large commissions..
Alarm Industry
The alarm industry is made up of businesses that sell, install, monitor, and repair alarms for businesses and homes. They’re in the business of protection but sometimes they become vulnerable themselves.
Alarm companies face significant risks. For example. What if an alarm fails to go off during an emergency? What if a company that’s supposed to monitor alarms fail to respond in time? What if the alarm does not work fast enough?
Those are just a few of the risks that are faced by businesses in the alarm industry. Unfortunately, those risks can cause financial problems for an alarm company.
Alarm Insurance Agency provides the right insurance solutions to alarm companies. Some of the policies that these companies typically need are the following:
Commercial Liability Insurance
Professional Liability Insurance
Umbrella/Excess Liability
Those are just three of the more common insurance used by alarm companies. There are others that a business might require and as a general insurance broker, we can provide those too.
Security Industry
The security industry in North America amounts to $29 billion and it’s still growing. While that is generally a good thing, it also means that security agencies are facing more risks.
The security agencies which provide security guards and security patrols for businesses and other organizations have plenty of insurance needs, maybe even more so than other types of businesses.
These are some of the coverages that are often needed by security companies:
General Liability
Umbrella/Excess Liability
Workers Compensation
Professional Liability
Assault and Battery
Client Property coverage
Crime coverage
Commercial auto
With these coverages, we can help ensure your security business is protected too.
Home Health Care / Light Community Care
Home health care companies provide medical care at the homes of patients. They help the elderly and sick people who cannot take care of themselves.
To give the right care for their clients, companies within this industry must have the right insurance coverage. Working with the elderly and with people needing care naturally exposes a business to risk and liabilities.
Because of our experience of working with companies in the Home Health Care and Light Community Care, we know how to come up with the most comprehensive coverage for your business and your employees.
Workers' Compensation
General Liability
Professional Liability
Employment Practice Liability
Commercial Auto
Crime - Third Party Theft
Employee Dishonesty Bond
Cyber & Identity Theft
Property Coverage
There are other forms of coverage that can help companies in the Home Health Care industry, but these are the most important ones.
Contractors
There are many different types of contractors providing services right now. Each one faces a unique set of risks. Because of the great number of risks faced by contractors the insurance solutions we offer to them have vary greatly.
Here are some policies that we offer to contractors:
General Liability
Property in Transit
Workers' Compensation
Commercial Auto
Umbrella/Excess Liability
Errors and Omissions
With our insurance policies backing you up, you can concentrate on delivering the best possible service to your clients. When you know that you’re protected, you can focus on what you do best.
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CIA By the Numbers
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Success Stories
“I am pleased to make a recommendation for Mr. George Gavaris and his team at Central Insurance Agency (CIA). We discovered CIA by way of another security company’s recommendation. We had been with our previous insurance company for a number of years, but had become increasingly dissatisfied with their responsiveness and level of customer service. From day one, George and his staff made customer service and responsiveness a priority. That high level of service has remained consistent to this day. In addition, George’s knowledge of the insurance industry has proven a valuable asset, to include negotiating the best rates and deciphering complex insurance clauses in pending customer contracts. I have found George and his team to be honest, dependable, and customer service oriented. They are and will continue to be our insurance providers.”
“We are very pleased with the service we received from CIA insurance. We were notified by our old liability agency of an increase in price. CIA insurance was able to reduce our premium by about $2,000.00 and still provide the same coverage. Steve was always on top of things and constantly stayed in touch during the transfer and still contacts us throughout the year to see if we have any concerns.”
“I would like to take this opportunity to compliment you on the excellent service you have provided Bel-Air Security, Inc. You have consistently gone above and beyond the call of duty, being very attentive and giving special attention to the needs of our company. It is our hope that our business relationship will continue for a very long time. If you have any questions of us, please do not hesitate to contact me at any time.”
“When Point 2 Point Global Security, Inc. was looking for an insurance company for our business needs, we wanted a company that would treat us like we were their biggest client. We found that with the entire Central Insurance Agency team. Every time we call, we get a straight answer that is in terminology we can understand. We refer a lot of our customers to CIA and they are pleased with the personal service they receive.”