Business Insurance
Please note: We only quote insurance for businesses located in Vermont.
Protecting Your Business is Our Business.
Also see our Special Packages
When was the last time you got a second opinion on your Business Insurance?
Rates vary greatly form one insurance company to the next for business insurance. If you haven't received a competitive quote comparison from another agent, you could be paying too much for your insurance.
How did you select your current agent?
When it comes to insurance, most people select an agent or agency for different reasons. Some choose the local agency because it's close, others know a friend who's in the business. A good majority say "that they have been with the agent for a long time".
Here's a new idea:
Why not choose an agent for what they can offer YOU?
Now that sounds simple, but most folks really do not know what to look for when evaluating their insurance agent. I have put together some "hot" tips I think will help you evaluate your agent more closely.
Hot Tip #1:
Does your agent get quotes from other insurance companies at renewal time?
Most do not, unless you request them to do so or a competitor is knocking on your door. Given the huge difference in rates from one insurance company to the next, you should select an agent who "shops" your insurance every year to find you the best rates.
At Winooski Insurance, we shop every year for our customers so they don't have too, even when there is no competition. Our customers are too busy running their own business to spend the countless hours this process takes. We make the promise to our customers that we do the shopping for you.
This practice has rewarded us by not losing 1 customer in the past 5 years!
Hot Tip #2:
Does your insurance agent conduct an annual review of your business to make sure you are properly protected?
Most businesses operations can change slightly from year to year. Payroll, for example can increase or decrease from year to year. Your insurance agent should be meeting with you each year prior to your renewal, to update your policies. Many do not. Some agents wait for the insurance company to conduct an audit and update your policies from this audit.
This is not a good process. Why? The audit reflects your last year. Your next 12 months could be totally different. You know your business and you know what direction it will be taking. Why not use current information to set up your policies for the next 12 months.
At Winooski Insurance, we contact our customers 60 days prior to their renewal to gather information about their business projections for the next 12 months.
Hot Tip #3:
Does your insurance agent offer you "free" services like loss control to help you control losses?
Many businesses overlook the value of this very important service. Why? If you haven't had many claims, its hard to see the value of loss control. Insurance companies reward companies who practice safety and have few claims. Loss control helps protect you from potential losses which in turn lead to continued lower rates.
At Winooski Insurance, we offer free loss control services to our customers. For example, our popular Workers Compensation Loss Control Program we designed has received rave reviews by our customers.
Hot Tip #4:
Does your insurance agent specialize in insuring businesses?
Many agents today specialize in personal or commercial. Few do both. If your agent does primarily personal insurance (home & auto), they may not be a good resource for commercial insurance. Business needs can be complex and so can finding the solutions. Choose an agent who knows business insurance.
At Winooski Insurance, our agents are professionals. Most have industry recognized designations which require several hundred hours of training and coursework.
Hot Tip #5:
Does your insurance agent represent the insurance companies who are competitive?
Regardless of how big an insurance agency is, the most important question is what companies do they represent? Why? Unless the agency is doing business with insurance companies who are dominating the marketplace, they will be unable to secure you the best prices.
At Winooski Insurance, we represent 4 of the TOP 10 business insurers in the State of Vermont. What this means to you is we do business with the companies who are dominating the marketplace. Few agencies have this many top carriers.
Why Not Get A Free Quote on Your Business Insurance?
Please click here to fill out our Business Insurance Quote Form
Summary of Key Benefits:
- We Shop Your Insurance Each Year-so you don't have too.
- We conduct annual reviews of your business.
- We set up "free" loss control programs
- We know business insurance
- We represent the companies dominating Vermont.
Also see our Special Packages
