I am with travelers
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My suggestion:
Go to JD Walters website and read their blog posts on recent claims made. Borrow some of those scenarios and present them as hypotheticals to your agent. Ask him, “if [hypothetical…] happens, am I covered?”
Then ask for his answer in writing. If he can’t put it in writing, then I would look elsewhere for coverage, or see what endorsements could be added to your policy so that you are covered.
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It’s hard for agents to put guarantees in writing concerning claims as there are many variables. An agents job is to present the policy forms, exclusions and coverage’s.
As a customer how do we insure we are getting the coverage we need? Often the contract doesn’t mean much to us.
Great question.
1-Be truthful and upfront with your broker.
2-Review the exclusions on your quote
3- Ask questions.
4- Always buy “Special Form”
5- Never buy a policy from a company who is not A rated.
6-use referral sources within the business when choosing a broker.
7- If a broker charges a service fee, walk away (unless it’s for workers comp)
For example , I also specialize in the automotive industry.
I have 500+ repair shops/ body shops.
I can’t fix a car to save my life, but I can insure your shop due to my expertise
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Any questions, feel free to reach out to me.
Good morning and hope that everyone has a successful week
