Why choose an expirienced Independent Agent for your insurance?
Choice
We work with not just one insurance company, but many.
A skilled independent insurance agency, one that represents a wide variety of insurance providers, will help you find the optimal coverage for you. Your account review will often include quotes from multiple companies, with a recommendation toward one based on both coverage and price.
Not all insurance companies are the same. Known within our profession as underwriting appetite, all providers have a different willingness to various types of accounts. This comes with preferential or less than preferential pricing and unique coverages specific to your needs.
Even so with personal insurance, various factors about your account, such as characteristics of your home, can impact your premium, the coverage offered, and even eligibility.
A professional experience, with an experienced professional
All insurance agents are licensed, by law. A license, however, does not guarantee proficiency.
Career insurance professionals, such as ours, bring their expertise and experience to work for you. Expect interactions similar to that of what you see with your financial planner, accountant, or attorney. Insurance is important, and even the best products, when offered incorrectly, become the wrong insurance. Did you know that a policy founded on unintentional misrepresentation can be the grounds for claim denial by an insurance company?
Unfortunately, many new clients have come to us after a less than expected experience with the coverage they bought on their own through a direct-to-consumer website or call center. As you work with us, we place an emphasis on both what’s covered and almost as importantly, what’s not.
A direct point of contact
At least with us, when you choose Minneapolis St. Paul Agency, you’ll have a direct point of contact. The same professional that you worked with to build your coverage portfolio will be there a few years later during your account review, helping you with questions, or making bad luck become a thing of the past during a claim.
You and your agent should know each other by first name.
Ethical and Fiduciary Responsibility
We are a small firm by design. We do not have a revolving door of agent advisors making recommendations on our agency’s behalf.
Our objective recommendations to you are ultimately backed by our fiduciary responsibility to have your best interests in mind.
Local
Based in the heart of the Twin Cities, we’re your neighbors.
Beyond that, our familiarity with Minnesota insurance nuance is to your benefit. All states regulate and shape insurance a bit differently. Rarely does an employee-agent working in another state share this degree of familiarity.
Cost & Value
Working with an independent agent isn’t more expensive than “buying direct”. We deliver value and oftentimes do so more efficiently and less costly with certainly better results.
We cannot offer insurance recommendations solely upon price alone, though we understand cost is a significant factor. Your total insurance spend should be a worthwhile one, rather than a hollow sense of security; having quality coverage in place means confidence when you look to it during a claim.
We are compensated by the commission paid to us directly from the insurance company, and rarely do we need to charge additional professional fees (when we do, we’ll disclose that early on). Similar to your financial advisor, we’re ultimately incentivized for our time and effort by performing for you.
