Keeping your options open: An Independent agent offers you choices

By: Edward L. Blais, JD, CIC

At Blais Insurance, we are a third generation, family-owned business, and we understand the great responsibility that comes with protecting what matters most to our policyholders.

We care about this community and our neighbors, because it is the where we have raised our families and maintain our business. When considering where you should purchase your insurance consider the benefits of working with a local, independent insurance agent.

When working with a direct insurance writer, one employed by the insurance company, or a captive agent, one required to write exclusively with one company, your choices are limited to only one insurance company. Therefore, if the unexpected should occur, and your rates skyrocket, your insurance company could not respond to your benefit. Your options are limited and this could cost you dearly.

Having been in business for over 100 years, Blais Insurance has access to the best insurance companies in the country. This means we can shop for the insurance coverage that works for your specific needs and budget. We offer choice, where the direct insurance writer and captive agent cannot. Additionally, we offer the following benefits:

• Rest assured knowing your insurance is being managed by a licensed, trusted insurance professional. Independent agents must be licensed, insured and adhere to all state regulations. In addition, we must meet educational and accreditation standards.
• An agent knows his/her marketplace and can advise accordingly. We can personally visit your home or business to assess need. We can review pertinent paperwork, and understand all state and local laws. In addition, we are your best source for best practices to avoid claims.
• Should you have a claim, your agent is there for you. While independent agents work hard to help policyholders avoid claims entirely, if you do have a claim an agent will fight on your behalf and keep you informed regarding claim status.
• Agents bring value to the insurance-buying process. Independent insurance agents have access to many companies and will work with you to design a customized policy, tailored to your personal or business insurance’ needs. If you ever have any questions or concerns regarding your insurance coverage we urge you to call or stop by our offices for a coffee and a chat. Our staff is always available and eager to assist you however we can.

To schedule a policy review, please call our office today at 725.0070.