Insurance one of lifes necessary responsibilities . . .
As we all know, Insurance is one of lifes necessary responsibilities, but that doesnt always make it an easy task. As a society, were required to have home and auto coverage to comply with laws; life insurance to protect our families and if we own a business or real estate, were required to carry liability and/or property policies. If we have employees we need to carry workers compensation coverage, and if we choose, offer health, life and retirement policies for those employees.
The list is endless but the questions simple, What are the differences between (direct writer) insurance companies and independent insurance agencies, and how do I find the best policy at the best rate to suit my specific needs?
(Direct writer) insurance companies vs. independent agencies . . .
Lets begin by defining in laymans terms, the difference between (direct writer) insurance companies and independent insurance agencies. There are two basic types of insurers: 1) direct writers and 2) independent insurance agencies. Direct writers are companies like State Farm, Allstate and Farmers. While each of these companies offer proprietary insurance products for home, auto and business policies, they are normally restricted to offering only those in-house products.
As an alternative, Independent Insurance Agencies work with multiple insurance carriers like Progressive, Travelers, Allied etc. and are able to provide customized policies to fit every individuals unique situation, says Cliff Bramwell, President and CEO of JJ Insurance. We have the bandwidth to leverage numerous brand-name companies to get the best coverage for our clients at the lowest possible rates, in a personal customer service driven environment.
(Inset Quote) I have used JJ Insurance (JJI) for what seems like forever . . . it must be 30 years now. They really fight for the best rates that provide the greatest coverage. From my perspective, insurance is a necessity. The team at JJI makes it easy for me to trust the information they give me while having confidence that I have the coverage I need. They are patient and professional and provide the best value for my hard earned dollar. Heidi Boerstler, Denver, Colorado

The best coverage at the lowest rate. . .
The next question we hear a lot is, can I really get a better rate with a large 800 number or e-company than I can with an independent agent? states Bramwell. Perhaps, but this answer is not so simple. When you work with an 800 number or e-company you are essentially a policy number. When you call to ask a question or when you need to file a claim you are just that, a number. With an Independent Agency, you are a person, a real person, talking with someone you know and trust.
(Inset Quote) Wow, the team at JJI just saved me more that $1000 on my auto and homeowners policy, and that is great news! They keep in touch with me frequently, and are professional and courteous. I know I can trust them as they always look out for my best interests. Dr. Jodi Lampert, Denver, Colorado
The JJ Insurance difference . . .
JJ Insurance has been serving the Denver community for more than 25 years as an independent insurance agency. Client products range from individual home and auto policies to corporate employee benefit programs including group health plans, business and commercial policies like commercial buildings, liability and workers compensation programs. The focus with each client is to understand their individual goals, and then present options that fit their needs in both coverage and rates. Call the professionals at JJI or stop by the office for a complimentary insurance evaluation; youll be glad you did!