Don’t Be Afraid To ask The Tough Questions

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North Bay Insurance Brokers is an independent agency. This means we don’t work for any one specific insurance company. Our business insurance, health, workers’ compensation, home and auto insurance pricing is very competitive. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of commercial insurance. With an independent insurance agent, you may get as many as five choices or more.

If you are looking for a new broker we suggest asking these questions as part of your review process:

  1. Which insurance company do you recommend?

Answer- We work with a number of companies and only recommend the ones that provide the best possible combination of coverage, price and service.

  1. Do you have experience in my industry?

Answer- We have experience with many different industries and specialize in commercial insurance, workers’ compensation and employee benefits.

  1. What other services do you offer besides insurance placement?

Answer- We offer a number of other services including claims assistance, certificate reviews, workers’ compensation and employee benefits. We also utilize our carrier’s safety and loss control when needed.

  1. What sets you apart?

Answer- Each company has its own circumstances which dictate what would be needed to safeguard the years of hard work in building a successful enterprise. We will guide you through different scenarios to see what effects it would have on your business and what solutions are available. Our mission is to give you the peace of mind that your company and personal assets are properly safeguarded.

  1. Give us examples of how you might improve our program.

Answer- We would complete a review of your current insurance program and compare that with your operational exposures. We would identify any gaps in coverage and make recommendations.

By carefully selecting a professional insurance representative and communicating your expectations, you can add an effective business advisor to your management team. North Bay Insurance Brokers, Inc. provides insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.