There's a new Erie agent in town.
Advocate Insurance Group is a new Erie Insurance Agency located in Martinsburg. We would appreciate the opportunity to meet you and discuss how an Erie Home Owners Policy can save you and your clients money and headaches. I will be contacting your office to set up an appointment to meet with you and discuss how Erie Insurance can benefit you.
Also, please feel welcome to contact me for more information on Erie and our products.
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Given the current economic conditions many business owners are looking for ways to lower their expenditures. This is a wise and sometimes necessary task. Lowering your business insurance rate could be a good way to save in 2009, but before you start shopping here are some things to think about.
Although we all want to lower our overhead expenses, now is not the time to lower your insurance coverage. As history shows us, when the economy is hard the rate of insurance claims increase; part of this can be attributed to the fact that insured’s who may have at one point just paid for the damages out of pocket, are now forced due to the lack of excess funds to turn in a claim. Another fact is that as the economy remains challenged more and more people are interested in making a quick and easy buck. Liability claims, trip and fall claims, all increase during these times. The last thing that your business needs is a liability claim that is not covered by your insurance. The legal representation fees, court costs, and settlement could be devastating to your business. Making sure that you do have coverage in place for your buildings, automobiles, contents, equipment and liability exposures are very crucial to the well being of your business.
The good news is that there are many insurance companies offering coverage for your specific type of business. Finding the one that best suits your needs in coverage, cost and customer service is a process well worth the time. It is very important that you have confidence in your agent’s ability to provide you with all the needed coverage for your business exposures and now more than ever that you do not spend unnecessary money on your insurance premiums. Since every company calculates premium for each type of business differently and at different rates, shopping your business insurance could save you a great deal of money, while keeping the same or better coverage.
If you are happy with your current company and agent now is a great time to review your insurance coverage with them. By calling your agent and going over the details of your policy you will help insure that you do have the proper coverage. Your agent may also be able to recommend making some changes that could save you money, or save you a lot of strife at claim time.
If you are unsatisfied with your current agent or are looking to find other companies that may be more price competitive, now is the time to do some research. The cost of insurance can very greatly from company to company so spending some time shopping could be just the savings your business needs.
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