I recently moved to AZ from NY. In order to get a new license and AZ plates for my car, I contacted Insurance Brokers of Arizona to get me the best price for auto and homeowners insurance. In less than 24 hours, I got GREAT coverage for both! I spoke to Michael, who was very professional and friendly! He answered all of my questions, and got the necessary paperwork to me quickly. This was a very positive experience and I highly recommend using this company to everyone!  

Insurance Services Office


Property and casualty insurance agents sell insurance policies that protect individuals and businesses from financial loss resulting from automobile accidents, fire, theft, storms, and other events that can damage property. For businesses, property and casualty insurance can also cover injured Workers Compensation Insurance, product liability claims, or medical malpractice claims.

Insurance Calculator Company


Insurance agents, often referred to as “captive” agents, typically represent one insurance company. Insurance brokers, on the other hand, represent multiple insurance companies to ensure that you are connected with the right insurance for you. An agent acts as a conduit to provide information to insurance buyers. The insurance buyer then has the option to choose from available policies and contracts from the insurer offered through the agent. These policies and contracts are decided through contractual agreements that the insurance agents have with the insurers to meet certain guidelines.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2019. Nationwide Mutual Insurance Company.
Agents only need to know the products of one company, which can simplify the learning curve. This can also make it easier to keep policyholders abreast of policy changes and provide better service in general after the policy is sold, helping to foster a closer ongoing relationship. Because brokers must know the products and services offered by numerous companies, staying current and providing clients with reliable product knowledge can prove challenging.
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver's premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.

In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
While State Farm's shopping experience is well-reviewed, customers did not feel as strongly about it's claims handling process. The company scored about the same as the other four large companies, but was still mediocre. A large national company may be expected to not be very efficient because of the various departments involved in handling individual claims. If you want the assurances guaranteed to you by a large, "legacy" carrier, then State Farm is the best to go with.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Towers Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority #0335-0, State of Domicile: Connecticut.©2017 The Travelers Indemnity Company.
Coverage that suits you. Comprehensive and collision coverage is just the beginning. Our policies also give you the flexibility to dial up (or down) your peace of mind. Choose from new car replacement2, special parts replacement3, enhanced rental car damage coverage4, and more. And because there’s only one you, receive identity theft protection5 at no extra cost.
Insurance can be a complex concept that is not always easy to understand. While we know that we need insurance to protect our health, our house and car, and to ensure that our loved ones are protected, the finer details often become blurred. An insurance broker can help you navigate the process of finding, comparing, and acquiring insurance by breaking it down into terms and conditions the average Joe can understand. Insurance brokers pride themselves on providing their clients with the best value in insurance coverage. Having an experienced insurance broker represent you is also a wise way to safeguard yourself and your business.
We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards and assist in establishing injury and illness prevention programs.

Beyond simply understanding life insurance, an agent can also guide you through the process of buying it. While you can apply for life insurance entirely on your own, sometimes that means a lot of waiting for a response from a carrier before you know where you stand in the application process. But an agent can update you as move through the funnel.

Insurance Premium Company


Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location and explain your return-to-work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.
 I recently moved to AZ from NY. In order to get a new license and AZ plates for my car, I contacted Insurance Brokers of Arizona to get me the best price for auto and homeowners insurance. In less than 24 hours, I got GREAT coverage for both! I spoke to Michael, who was very professional and friendly! He answered all of my questions, and got the necessary paperwork to me quickly. This was a very positive experience and I highly recommend using this company to everyone!  

We are a Trusted Choice® independent agency with a focus on client relationships. We do business with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history preferred companies desire, or a not so perfect history of losses, we will find the right policy to fit your personal or business needs. As an independent insurance agency, we always offer our very own personal touch that many would expect from your neighborhood insurance agent.
Using a broker can also simplify the process of picking insurance. There are so many different choices for insurance, with different limits and exclusions for each policy. It can be difficult to know which insurance and what level of coverage is right for you or your business. This is where an insurance broker can help. Using their experience in the field, a broker can analyze your risks and liabilities to determine exactly what coverage you need. With access to a variety of technology-based tools, brokers can make it simple to compare various options to determine which policies would best fit your needs. Using a broker eliminates the stress of learning about different types of insurance, and makes it easy to figure out what insurance will work for you.
Insurance agents have a responsibility to the insurance company.  Agents act as the insurance company representative in the buying process as they are typically salaried employees.   Most insurance agents are “Captive” to represent only one company, such as: Allstate, State Farm, Farmer, etc.  Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.  

Insurance Quotes Cheap Company


This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group will contact you to provide requested information.

Everyone that I have dealt with at Phelan has always been extremely nice and easy to talk to. Brent takes his time and sits down and explains the policies to me as well as any new changes that might be coming down the road. He is not pushy about the coverage we should have and is willing to come and talk to my board to explain things to them when I don't feel comfortable enough to do so. I also receive informational emails that I can share with my staff and board if I desire. They go above and beyond to keep my district safe.

A broker can also give you the satisfaction knowing that you are adequately insured against all potential liabilities. Whether you are concerned about your company being sued for selling a defective product or about what would happen if you had a fire at your house, an insurance broker can address each of these issues and can build a comprehensive insurance plan to make sure that each and every one of your liabilities concerns is addressed.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Towers Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Travelers Commercial Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6519; State of Domicile: Connecticut and Travelers Property Casualty Insurance Company, One Tower Square, Hartford, CT 06183. Certificate of Authority # 6521; State of Domicile: Connecticut. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, CT 06183, Certificate of Authority #0335-0, State of Domicile: Connecticut.©2017 The Travelers Indemnity Company.
We provide comprehensive business insurance, personal insurance, employee benefits and financial services products to a wide range of businesses and individuals nationwide. With a commitment to people, we value a culture dedicated to serving our clients’ needs in an effort to protect their valuable assets and assist in making smart decisions for their business or family.
If you are in the market for insurance for your business, home, vehicle, or your family, a broker can help you determine what your insurance needs are and what insurance is right for you. Because a broker works for you — not for an insurance company — you can be assured that your insurance broker has your best interests in mind when shopping for insurance policies. Contact an insurance broker today to learn more about how he or she can help you buy the best possible insurance for your needs.

Insurance Services Office Company


We provide comprehensive business insurance, personal insurance, employee benefits and financial services products to a wide range of businesses and individuals nationwide. With a commitment to people, we value a culture dedicated to serving our clients’ needs in an effort to protect their valuable assets and assist in making smart decisions for their business or family.

Life insurance brokers are similar to life insurance agents. Both life insurance agents and life insurance brokers work on behalf of life insurance companies to sell you a policy, but agents are more limited in the number of carriers they work with while brokers aren’t beholden to any single carrier. If you're looking for details about a specific insurer's products, an agent may be the best person to talk to. However, if you're trying to comparison shop across multiple insurers, you may want to contact a broker.

Brokers may be either retail or wholesale. A retail broker interacts directly with insurance buyers. If you visited a broker, who then obtained insurance coverages on your behalf, he or she is a retail broker. In some cases, your agent or broker may be unable to obtain insurance coverage on your behalf from a standard insurer. In that event, he or she may contact a wholesale broker. Wholesale brokers specialize in certain types of coverage. Many are surplus lines brokers, who arrange coverages for risks that are unusual or hazardous.
Here are a few more important items to keep in mind when dealing with Agents and Health Insurance: * There is no cost to using a Broker or Independent agent. If an agent helps a client purchase a plan with a specific company, the insurance company will pay the agent a small stipend each month in which the health insurance plan is kept in place. * With Affordable Care Act - ACA in effect insurance companies are dropping the multiple network option for more specific smaller networks, or only one network. Agents, whom do their job correctly, will help to make sure that your doctor is in network with the insurance company that you choose. * If you work with a Captive Agent make sure to check other options with non-captive agents so that you have all the information you need to make an informed decision. * Using an Agent as your personal representative should go beyond just purchasing a plan. When you have an issue with if a doctor is on a plan or if your medications are covered you should be able to refer back to your agent for help in getting these issues answered or resolved. A good agent will go above and beyond just "selling" a plan to you. * Agents are aware of the Open Enrollment times in which you can change plans. A good agent will send an email out reminding their clients each year that now is the time to move plans or insurance companies since there is only a small period of time (Open Enrollment in the Fall) in which you may move to a different insurance company each year for a Jan 1st effective date. * Each year when rates increase Brokers and Independent Agents will be able to see all the companies rates and plans for the new year and help you decide if you should move to a new insurance company or plan for the new year *Agents are aware of what a Qualifying Event is and if you can change plans each year, how to do that and what is required. With all the knowledge agents possess...why not take advantage of free!
Cameron & Jessica followed up with a return call right away to get my application started. Being in the insurance business for over 20 years myself before retiring I am very impressed with their approach to business & taking care of clients in a timely manner! Very kind& caring. I now understand that I am in the good hands of Cameron Brown and Insurance brokers of Arizona ; if you're looking for insurance look no further call Cameron Brown !

Insurance Premium

×