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The Value of an Independent Agent

By April 30, 2020April 5th, 2023No Comments

Work with an independent agent for best insurance service

Insurance involves money and money makes people nervous. So nervous, sometimes, that a client with a claim puts off calling the insurance agent until it’s too late to make a difference.

The reason to work with an independent agent, like GRBM, is to make those experiences less nerve-wracking. Addressing the money part is important, too.

We bring this up because we have clients who did not call when they had an accident or another reason to make a claim. They were afraid their rates would go up just because they asked the question.

That doesn’t happen. 

You have insurance to protect yourself. There is no point in paying your premiums and then not taking advantage of the money you can receive to cover a loss.

And if the cost of the loss is less than the cost of your deductible, we will let you know that it is not worth filing the paperwork.

We will answer all your questions, and bring up points you may not have considered, too. Our job is to make sure you get the best coverage for the right price. Answering your questions, no matter what you are asking, is part of our job.

Here are more reasons to work with an independent agent.

  • We provide the widest possible choice of insurance companies. For homeowners and most businesses, that might mean you go with the lowest price, as long as the coverage is the same or similar. In some cases – certain types of construction in New York City – there may be only one or two companies best suited to that type of work. We have the experience to guide you through the process so that you can bid jobs and maintain a reasonable profit margin.
  • We answer the phone, any time. And when we are the ones making the call, the person on the other end answers. On a recent Friday at 4:30 p.m. I was busy putting my desk in order and daydreaming about enjoying the weekend. The ringtone on my cellphone sounded and on the other end was a client. He apologized for the late notice, but he wanted to start a job on Monday and needed specialized coverage before he could begin. No problem! I called a friend of mine at an insurance company, explained the situation, and together we worked over the weekend to put in place a plan. On Monday morning, we had the coverage in place and the job started on time.
  • We review your coverage on a regular basis. We talk with each of our clients to find out what has changed, if anything, on their end. We give them updates on new products and discuss potential threats that might be developing. Then we work with them to find the best coverage possible.
  • We take your side with the insurance company. Most of the time, claims go smoothly. But when there is a dispute, we help you make your case with the insurer and hold them to the highest standards.

We also have experience. GRBM has been in business since 1986 serving New York, Connecticut and New Jersey. We have handled every type of claim you can imagine, and we have connections with the insurance companies that provide the best service and have the strongest financials.

Are you ready to talk with GRBM about your home or business insurance needs? Call us at (845) 671-3221. We will answer.