Working with an Insurance Broker

Working with an Insurance Broker

August 20, 2018

People commonly feel anxious about personal finance decisions, and it is easy to understand why. The decisions are important and mistakes could be costly. Insurance is no exception. There are so many types of insurance, carrier choices and questions about what is and isn't included in a policy. Working with an insurance broker can help answer your questions and make the decision making process more efficient. They live and breathe this stuff!

Unlike a captive agent that only works for one insurance carrier, a local insurance broker is unbiased and can sell policies from a diversified portfolio of insurance policies. At Webb Insurance, our brokers are professional, experienced and caring. They will work closely with you and become your personal advisor – taking the time to listen and understand your needs. Our goal is to make the process smoother for you; we work for your family, not the companies we represent.

Top 5 Benefits of Working with an Insurance Broker:

1. Competitive Pricing

An independent insurance broker is not obligated to sell any one specific company's products. Captive agents, on the other hand, are only allowed to represent the company they work for – narrowing your options and ultimately preventing you from getting the best price or coverage options available for specific needs. As an independent agency, the Webb Insurance team can arrange a vast insurance portfolio for you, and quote multiple companies online in a matter of minutes. You then have the option of picking a company not only based on price, but on the levels of coverage, deductible and covered risks that best align with your needs.

Independent agents review your policy every year, and have the ability to remarket your insurance premium to make sure you are getting the best deal. At Webb Insurance, our professional staff is able to remarket your insurance premiums easily thanks to our expanding insurance portfolio. We can quickly search for a different company if your premium increases through no fault of your own, to ensure you are getting the best value and the best protection for your hard-earned money.

LEARN MORE: See the full list of insurance companies we represent.

2. Coverage Tailored to You

Webb Insurance offers Personal Insurance for your home, auto and other family needs, as well as insurance for your business, employees and commercial assets. We are your one-stop destination for all of your coverage needs. By using our independent agency, you have even more options. Your Webb Insurance broker can address your specific needs at the lowest possible cost by connecting you with the best insurance for each of your identified risks. The best mix of insurance for you may well involve products from different companies in our vast portfolio of industry-leading providers, and we'll help you identify the most effective plan.

The risk management challenges your family faces are unique to your profession and your financial objectives. Your Webb Insurance broker benefits from years of experience dealing with situations and challenges just like yours – which you can rely on to protect your family, save money and put your mind at ease.

LEARN MORE: Explore our portfolio of Personal Insurance and Business Insurance offerings to build the protection that best meets all of your needs.

3. Industry Expertise

A crucial component of an insurance broker's expertise is their knowledge of the insurance industry. It isn't your job to be an insurance expert, and putting this burden on yourself could cause a significant amount of stress. Brokers work with a variety of products and services, and with clients from diverse backgrounds with their own unique needs. This means you will have an expert guiding you through the buying process with professional advice.

Your Webb Insurance broker has been studying insurance instruments and other aspects of finance for years. There is a complex interaction of all the elements of risk management in your life – casualty insurance, life insurance, and other forms of protection. These also interact in important and complex ways with taxation and estate planning. Fitting all the pieces together in a way that makes sense takes expertise and focus. You need an advisor who listens carefully and asks probing questions so you can make intelligent choices.

4. Ease of Access

All of our independent agents are licensed for the many forms of Property & Casualty Insurance. It is our job to assess our clients' insurance needs and match them with the carrier best equipped to meet those needs at an affordable price. We are licensed in our home state of Missouri, and can provide coverage in all 50 of the United States.

Do you own a house, car or business? Do you have a wedding coming up, or recently received expensive jewelry? Your Webb Insurance broker can provide you with a variety of different products in just one stop. At our independent agency, it only takes one visit to assess and cover all your insurance needs. If the unexpected does happen and you need to file a claim, our brokers will work directly with the insurance companies to make sure your claim is processed in a timely manner. Claim processes can be stressful, confusing and time-consuming – and having a professional to answer your questions at your disposal will make the task easier. We will be your advocate throughout the entire process.

LEARN MORE: Get to know your local team of Webb Insurance brokers by reading our Agent Biographies.

5. Local Insight

Having a trusted advisor and advocate close to home is extremely valuable. Your Webb Insurance broker knows the conditions in your town, how business works there and what the major risks are that need to be addressed. They will also know you – your goals, your family and your business's challenges. The core of your insurance broker's business is to be close to you.

Challenges are different in every community and the insurance requirements differ. It may be tempting to quote directly with big insurance companies – but the truth is they will never know the special conditions in St. Charles, and what major risks need to be addressed in the greater St. Louis area. Your local Webb Insurance broker knows the challenges and risks in our community, and will help you set up the protection you need. Having local expert advice makes all the difference, and that local connection is at an absolute premium when you are in need.

Contact An Insurance Broker

Are you interested in working with an insurance broker? Contact Webb Insurance!Make an appointment to meet with an agent at our home office in St. Charles, our satellite office in Alton, IL, or request a free quote online.