Why use an Independent Insurance Agency?
Independent Insurance Agencies, when they have met the qualifications of many carriers, can help you place your coverage with a multitude of carriers at once that suit your risk profile and premium budget. Agents who represent just one carrier or just a few carriers can’t do that. Now, we don’t advocate annually shopping around for your insurance. We advocate that insurance buyers find a solid agency and develop a long-term rapport. Based upon all of the forgoing then, you’ll need to consider whether your agent or agency, if you have one, is properly prepared to help evaluate your insurance needs and to place your coverage with a good fit in the huge insurance marketplace. Hill & Usher Insurance & Surety is prepared. We’ve done the groundwork. We have the databases. We know all of our carrier’s Umbrellas and other policies and their endorsements. We know how to read personal contracts to pinpoint gaps (risk exposures) that Umbrellas cover. We have the questionnaires and checklists conc
