Ramsey Insurance Blog

The process of purchasing your business insurance can be extremely helpful, as your business will benefit from the "free" advice a business insurance professional has to offer.  

Assembling a package of appropriate business insurance for your business is the job of the insurance professional. The best way to insure your business is working with a local professional, in person, who knows your business (or, is willing to learn). But, your professional's ability to put together a package specific for your business may be limited by whether the professional is an independent or captive agent.

Captive agents are insurance agents working for one specific insurer. The agent is a "captive" to that insurer and usually only sells that insurer's products. An independent agent is "independent" of any particular insurer and can sell products from a number of different insurance companies. Thus, an independent agent may be better suited to build a particular suite of insurance products for your business because that independent may have a broader source of products and companies to choose from.

Finally, looking at commercial insurance packages created for your business by insurers or insurance professionals can be valuable to your business because there may be risks your business did not consider.

Both as a practical way to lower premium costs and to educate the business about insurance products, looking for packages specifically tailored to your business category can be a valuable way to purchase business insurance. Here at Ramsey Insurance Agency, let our Business Insurance Professionals help you make the right decision on purchasing the correct coverage.

Ramsey Insurance can provide all your Commercial Insurance WV needs. Please contact us at 304-925-6789 or visit us on the web at www.ramseyinsurance.com.