Like all independent insurance professionals, the staff at TSG Insurance want your business. That’s our business. However, at TSG Insurance, we understand that YOUR job in choosing an insurance broker or company is to protect you and your assets from the perils that life offers.
Whether you are looking for commercial, home insurance, or auto insurance, it is best that you choose for the right insurance company – one that will be there when filing a claim, who can help you through the process of returning your life to order. At TSG Insurance we get that and while we want your business, as your neighbors in Bassano, Brooks, Calgary, and Medicine Hat, we also want to ensure that you have the information necessary to make a wise investment into protecting your family and home with insurance.
Here are a few suggestions that we’ve learnt since opening for business in 1985, beginning with you, the person seeking insurance. The first thing to do is determine why you need insurance and for what. You should be able to specify whether you need auto, commercial, or home insurance. Before you sign the agreement, make sure that you understand the pros and cons of having insurance, terms and condition, as well as the policy’s specific coverage.
In terms of the insurance broker or company you choose to work with start by ensuring the brokers are licensed and that they provide an in-depth overview of the policy while answering your questions and handle your claims fairly and efficiently. You should also feel comfortable with your insurance purchase, whether you buy it from a local agent, directly from the company over the phone, or over the Internet. Some insurance brokers are ‘captive’ meaning they can only sell products from one insurance company whereas an independent broker represents several insurance companies. The prospect of good working relations with an agent can also help you make a decision.
In our world of economic uncertainty and turmoil, insurance policies and prices vary greatly from one to another, so it really pays to shop around to compare cost to benefits.
Here are a few factors to consider when comparing insurance benefits:
- the cost for deductible, co-pay, and out-of-pocket limit;
- the amount of money that the insurance company is willing to cover in case of accidents;
- applicability and suitability of insurance for your needs; and,
- the price of the insurance.
Finally, select a company that is financially sound and that is likely to be financially sound for many years. When it comes to choosing an insurance company, it is about trusting an insurer with your hard earned money.
Insurance Brokers in Alberta
At TSG Insurance, we encourage you to take a look around our site to get a better idea of what we offer, and visit your local TSG office to speak with one of our insurance brokers directly. Call us toll-free at 1.800.830.9423 today to book your appointment in our Calgary, Brooks, Bassano or Medicine Hat insurance office.