There’s no such thing as a one-size-fits-all commercial insurance policy. If you want to get the most out of your HighPointe Insurance Services LLC package, then you need to take the time to talk with an agent and work out precisely what it is that you need from your insurance plan before you’ll have peace of mind.
If you’re buying car insurance, you can walk into the agency and say "Give me whatever policy will ensure that I don’t get in trouble if I’m pulled over by the cops." You have to be a little more hands on than that when it comes to building a commercial policy that works for you. An insurance company will tend to keep experts on hand who understand the industries with which they’re dealing, but nobody knows your field better than you do. If you need to make sure that you have a robust workers compensation policy, if you want to insure a fleet of delivery vehicles, then you need to talk with the agent about that in order to get a policy that is specially built to your needs. Put simply: If you know the risks you’re taking, then your insurance provider will know which policies will cover them.
Here are three key points to getting the insurance policy that you need:
- The most important question you can ask is "Do you have something to cover that?"
- Make sure that your provider knows what kind of equipment you’re using and what kind of work you’re doing, down to the fine details.
- If there’s something that you’re worried might bump your rates up, then that’s something that you’d much rather have covered by your insurance provider than out of your own pocket.
As long as you’re thorough in making your needs clear to your insurance provider, then they should be able to walk you through the process of building the package that you need.