My Cover Pro Online
Welcome to My Cover Pro Online!
Insurance Articles
•
•
•
•

Home
:: About Us
:: Contact Us
:: Article
:: Reports
:: Links
:: Site Map

Related Links

Goods In Transit Insurance

Fleet Courier Insurance

Car Warranty

Car Gap Insurance

Hgv Courier Insurance
Agent-vs-Broker
By Raul Ramirez


Having been in the business for 8 years I believe I can honestly have something to say about this. I have been and agent for companies and now I broker for my clients. It really depends on who you ask which is better for the client. The agent will say he is better and the broker will in turn say he or she is. Being a broker I will state that a broker is better for the client than an agent.

The Agent

An agent represents a company?s interest and is compensated for that interest. If it is like this everywhere, a book of current business is given to the agent and he or she is told to go see them and introduce yourself, then when you are done there go knock on the doors next to them and across the street. ?Create the need? or better yet ?Scare them into the need? is the catch phrase I believe when it should be ?Take care of the need.? By that I mean take care of your people and they will take care of you. People do need to be aware of their needs but I have been around to many marketing schemes that were made to scare the client.

Another important point to be made is how many families is that agent feeding? More than likely that agent is not only feeding his or her own family but his sales managers? and district managers? and so on and so forth. So the next time you see an agent coming ask him how many families are being fed if you were to buy from him.

The Broker

A broker represents many companies with no centralized interest or compensation. The broker in turn is also compensated for their time and effort by the company that gets the business but that is just it, the company that gets the business. Whether you go to company A or B, you the client have the choice based on recommendations made by he broker. The broker has the capability of finding the right mix for a client, for example, the client?s needs and budget. One company might come back with a mix of products at ?X? amount of money a month. This option may be out of the clients reach due to budget constraints, well now the broker can switch to another company to find the most viable option.

The Client

The client is best served because it is not an all or nothing relationship as it is with an agent. The broker has the ability to shop around within his or her portfolio to find the best mix to meet the client?s situation. The broker acts as a go-between for the client and the company. I consider this a win-win situation. I believe that when one has the ability to shop for the client for the best product, the clients? interest is at heart. A client that becomes a prospect six months later was never a client at all.

To be fair to all parties involved the company and client is only as good as its agent or broker. A bad one can break you and on the other had a good agent and broker can become your best friend and ally.

Raul Ramirez is a licensed agent in the state of Florida. He is the owner of Gufl Breeze Insurance Inc. http://www.gulfbreezeinsurance.com

Article Source: http://EzineArticles.com/?expert=Raul_Ramirez

For more information about this article and/or the author visit http://www.gulfbreezeinsurance.com

For more information, news and articles see:

Hgv Courier Insurance - Hgv Courier Insurance
...purchase for a delivery business. So there are now insurers who specialise specifically in more complex insurance policys, they are experts in business insurance; therefore they will be able to advise you on all your insurance needs, to make sure you are completely covered, leaving no room for mistakes. The following is a list of the specifications that you may need to include in any haulage insurance cover and what can be potentially covered with the correct policy: Legal liability for injury or death to any other individual, including any such passengers. Legal liability for damage to outside property. Legal costs can be fully covered with the Insurers consent, in connection with an insurance claim against your policy. Your own damage (subject to any excess). Vehicle replacement, in the event of an accid...
Visit Hgv Courier Insurance...

Courier Insurance - Courier Insurance
...mportant. Losing such document or parcels can mean huge losses for some people. Therefore,Courier Insurance has become an important consideration for any one using mailing services. It is not uncommon for people to lose their mail before it reaches a desired destination. We make sure that your mail is covered sufficiently so that if you happen to lose it while it is on its way, you will be compensated. Many people may not see this as a necessary step until they experience a loss. So, why wait for it to happen to you? Get your insurance now and save yourself from huge losses. ...
Visit Courier Insurance...

Car Gap Insurance - Car Gap Insurance
... and say that I had never heard of car gap insurance until recently. I suppose unless you buy a car on finance you might not know about such policies. As I understand it the car gap insurance covers you in the event of a car being stolen and never recovered or one that is deemed a total loss by the insurers. If you still owe money on the car to a finance company then the gap insurance will pay off the difference between what the insurer says the car is worth and what finance you have left on it. Some of the policies will even leave you with some money to use as a deposit on another car. It`s, probably something that many people would never even consider when they take a car out on finance. If the insurance company decides that the car is worth less than you thought it might be when it is deemed a total loss then you could have to stump up the money to pay off the bal...
Visit Car Gap Insurance...

Gap Insurance - Gap Insurance
...know that I had never heard about this type of insurance before until it was brought to my attention recently. The gap insurance covers the deprecation on a car in the event of it being stolen and never recovered. How does it work you might wonder and do you need to take it out if you have outstanding finance on the vehicle? Say you have ten thousand pounds worth of car finance on your car but when it gets stolen the insurance company says it`s only worth eight grand. It means you`ll have to find the extra two thousand pounds to pay off the finance company. If you take out gap insurance on the car, this amount will be covered, so you don`t have to find any additional money to pay off the debt. Most people buy cars and decide to keep them for a set amount of time so they know how much fina...
Visit Gap Insurance...
Click For More Detailed Information on:
my island legal info ::new legal store info ::my premier legal info ::new cover 2 u info ::my lawyer legal info
Copyright © 2003-2012. All Rights Reserved.


Valid CSS!