Why Choose an Independent?
Insurance is about security and reducing uncertainty over the outcome of
certain events. The stakes (yours) are usually high. Most people need
professional help identifying exposures and finding the right coverage at
the lowest possible cost.
Buyers traditionally get coverage in one of two ways. One is
through an insurance company, dealing with a salesperson or customer service
representative employed by the carrier. Another way is to buy through an
independent broker who deals with various carriers on your behalf.
Some advantages of retaining the services of an independent broker are
listed below. ISA is the largest locally owned independent broker in
value in shopping for and maintaining the right insurance.
We conduct the competitive process, getting various carriers to compete
for your business. We gather relevant information, interpret specifications
and quotes, sort it all out and make recommendations to you. We have access
to many markets and relationships in finding the right plan for you.
You can't be expected to know all the ins and outs of coverages and terms
in our complex industry. We have the experience and expertise to bring the
best information, analysis and advice to you for decision-making.
A broker helps "keep the carriers honest." A given carrier knows that the
broker represents other suppliers and has the ability to move the business
to another company if not satisfied with pricing or terms. By having ready
access to alternative markets, a broker saves you time and trouble in
finding another carrier. This "sentinel effect" on the carrier motivates
them to remain competitive or respond favorably to competitive pressure.
We work for you. We are not employed by any insurance company. We have a
vested interest in your long term satisfaction. When problems arise — with a
claim or perhaps a coverage or cost issue — we're there to help make your
case and negotiate the best outcomes possible. With our customer base and
credibility with the carriers, our influence can make a critical difference.
We are professionals authorized to act on your behalf. In this
relationship, a high degree of trust and standard of care is required to
fulfill our duties to you. A broker is also a fiduciary and has certain
legal obligations, enhancing our accountability to you.
ISA has been a growing family owned brokerage firm since 1958. Our
reputation and viability depend on being accessible and consistently
reliable in meeting the coverage and service needs of our customers. For
many types of insurance it can be important to count on the broker who first
sold you a policy being available down the road, years later. We've been
here a long time and plan to be here for you a lot longer.