The Ultimate Insurance Agent Vetting Checklist: What to Ask Your Agent
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Choosing the right insurance broker can feel daunting, but it doesn't have to be. If you're unsure what to ask when vetting potential agents, you're not alone. This guide will walk you through key questions you should consider to ensure you're getting the best service for your unique needs.
We’ll cover critical aspects of insurance brokers that are often overlooked, including their stability, experience, and customer service approach.
By the end of this checklist, you’ll be more confident in selecting a partner that aligns with your goals.
- How many businesses or people like me do you work with?
- Why ask this? You want to make sure they have experience helping others like you. If they do, they’ll better understand your specific needs.
- Can you give examples of organizations like mine that you’ve worked with?
- Why ask this? If they’ve successfully worked with clients like you, it’s a good sign they know how to protect your business.
But what if they don’t?
Before you send them packing, ask a follow-up question:
2a. Who else do you work closely with that has experience in insuring my industry?
- Why ask this? Insurance coverage for the most part is the same across industries. However, for each industry there are different exposures, there is nuance or specific coverage that really counts, and that’s where your broker needs to show expertise.
If your agent can access a network of experts who understand these nuances, you’re likely in good hands. They don’t need to know everything—but they do need to know where to find the answers and know someone who does.
(This is also what we coach our team on, you don't need to know the answer to every questions because situations vary drastically. We do want you to know how and where to find the answers. Be a resource for our clients, not an order taker.)
If they don't have the experience or have access to those with experience, it is probably a good idea to 'give them two checks and a road map'.
- What makes your agency different from others?
- Why ask this? Every insurance agency should bring something unique to the table. We all offer “the best service, coverage, etc.”
It may be how they handle your renewal process, industry expertise, or exclusive relationships with carriers, this question helps identify what sets them apart.
- How often will we review my policies and coverage?
- Why ask this? Regular check-ins mean your coverage will adapt as your business grows or changes. You don’t want to find out too late that you’re underinsured or missing something.
Now this does not necessarily replace the calls/emails you should make when you experience a change in business whether it be sudden payroll increases, new equipment or vehicles, new products/services offered, etc.
- What kind of support can I expect if I need to file a claim?
- Why ask this? Claims can be stressful. You want an agent who will guide you through the process and advocate for you when needed.
- How do you stay on top of industry trends?
- Why ask this? The insurance world is always changing. It’s important your agent keeps learning and adapting so you don’t fall behind.
- Has your agency been part of a merger or acquisition?
- Why ask this? Mergers often lead to big changes. Sometimes that’s good, but it could mean a change in culture, tools and resources, annual service, or less attention to smaller clients or higher turnover on your service team.
- Who are your biggest competitors, and why should I choose you over them?
- Why ask this? A confident agent will be open about their competition and will focus on their strengths without badmouthing others.
- How do you help clients manage risks and avoid claims?
- Why ask this? A good insurance broker does more than sell policies. They should actively work to prevent losses and help you manage risks.
- How long do you see yourself staying in your role?
- Why ask this? Stability matters. You want to know that the person you build a relationship with will still be around in a few years.
- How do you address service issues if they arise?
- Why ask this? Mistakes happen, but you need to know how quickly and effectively they resolve problems to ensure you feel heard and supported.
- What carriers do you work with, and how do you choose them?
- Why ask this? The right agent will have access to a broad range of insurance carriers and will prioritize finding the best fit for your business, not just the most convenient option.
- What is your process for handling premium increases?
- Why ask this? Unexpected premium increases can impact your budget. A transparent broker will help you understand the reasons behind premium hikes and work to find solutions that fit your financial needs. We focus on providing alternative strategies when premiums increase unexpectedly.
- What additional services do you provide beyond policy placement?
- Why ask this? A well-rounded insurance broker offers value-added services like risk assessments, loss prevention programs, access and/or discounts on other business services, or employee training. These services demonstrate a commitment to protecting your business from every angle.
- What technology or tools do you offer for policy management?
- Why ask this? In today’s digital age, having access to online policy management tools, mobile apps, or portals can make managing your insurance easier and more efficient. Businesses need tools that provide accessibility on their terms, not only between the office hours of the agency.
Conclusion
Why Asking the Right Questions Matters
Choosing an insurance broker isn’t just about finding the cheapest quote. It's about finding a partner who understands your industry, advocates for your interests, and brings long-term value to your business.
By asking the questions in this checklist, you’ll be better equipped to evaluate potential brokers and find the one that’s the right fit for your needs.
There are 15 questions to ask when interviewing for your next insurance agent.
If you're ready to start vetting your insurance options, we’re here to help - contact us today or request a quote and we’ll walk you through what makes our agency different.
If you’re looking for and insurance agent in Michigan. You may also like to take a look at these great resources for insurance:
Now you’re either currently investing a lot of money into your insurance policies or getting closer to making this decision. We don’t want you to make any mistakes with a decision of this magnitude. So instead of basing this huge decision on a quoted number on the computer screen or a piece of paper – we thought you’d like to know that you can work with one of the knowledge members of our team so that you can become well educated on your insurance before buying.
For more insurance and risk management guidance or questions about your policy's coverage limits, contact us today.
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About the Author
Tyler Bartosh (Connect with me on LinkedIn)
A third-generation insurance agency owner and agent since 2007, Tyler Bartosh is the consummate “insurance geek,” using his passion for business, knowledge of insurance, and advocacy for clients to help serve as the expert buyer of insurance. He helps businesses implement risk management strategies that save both time and money, so those resources can be put towards other initiatives in your company.
Away from his career in insurance, he enjoys spending time with his family & friends, volunteering throughout the community, golf, fishing, snowboarding, hiking and virtually anything outdoors and traveling to see live music. Tyler has a wife Emily (who is also an underwriter in the insurance industry), their dog Lucy and a baby girl, Sophie Constance.
About Top O' Michigan Insurance Solutions:
At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With seven locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.
We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at TOMIA247.com/WeCare.
National Resources, Locally Sourced.
Disclaimer: This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship.
The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.
Sources:
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