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REASONS TO HIRE AN INSURANCE CONSULTANT
By Dan Weedin, CIC

1. Your insurance premiums have gone up.  But why?  Your insurance consultant will help you find the right insurance at the best price by analyzing your policies and recommending a course of action.
   
2. Your insurance is set to renew and you don't have time to deal with it.  An insurance consultant will save you time and effort by managing the process for you.
   
3. You want to have other agents quote on your insurance.  An unbiased insurance advisor − someone who won’t let the pull of commissions get in the way − will help you sort out the intricacies of the quotes you receive and will recommend the one that best fits your needs.
   
4. You received insurance bids from several agents.  Which one is the best?  With only your interest in mind, an insurance consultant can help you move in the right direction.
   
5. You are not sure you have the right insurance coverage.  An agent’s commission and his or her relationship with only certain insurance companies can limit your choices.  As an insurance specialist, your insurance consultant knows how to evaluate a policy’s terms and conditions and will give you an unbiased analysis of your insurance program.
   
6. You need help with your safety programs.  Your insurance consultant will provide you with ongoing risk management solutions and training.
   
7. You are having trouble getting a claim paid.  An insurance consultant can help you navigate the insurance claims process.
   
8. Your business is expanding.  Will your insurance meet your needs?  An insurance consultant will move you to the right decisions.
   
9. You are considering adding a new coverage to your insurance program.  Is your agent just earning a new commission or do you really need the insurance?  Your insurance consultant can help with the analysis and the decision.
   
10. You're starting a new business and need the right insurance.  An insurance consultant can take you through the process quickly while making sure you are buying the right coverage.
    
11. You are doing business internationally.  Will your coverage respond?  The expertise of your insurance consultant will give you the help you need.
    
12. Your agent messed up.  Now what do you do?  Your insurance consultant’s expertise and unbiased outlook will help you sort through the issues that need to be addressed.
13. Business is tough.  You need to reduce your insurance costs.  In most cases, an insurance consultant’s services pay for themselves in savings on premiums, time, and effort − while also helping you avoid setting yourself up to suffer a major uncovered loss that you can’t afford.
    
14. You have a small staff and need to outsource some functions.  Your insurance consultant will provide specific expertise to do exactly what you need done, including managing your insurance program from A to Z while you manage the business.