A family-owned business provides a level of service not found in larger corporations
If you're looking for a great insurance agency, then you'll find that A&A Underwriters can offer you something that most agencies cannot. We are a family-owned insurance company.
There are numerous reasons why it is advantageous to do business with a family-owned insurance agency as opposed to a larger, corporate-owned agency. Here are three of them.
If you have a concern that you need to have addressed quickly, then you're much better off doing business with a family-owned agency. This is because those of us in the family already know each other very well. We communicate casually and we talk about our work all the time. As a result, there is no formal bureaucratic chain of sign-offs that are required to get something done for your benefit. Instead, we pick up the phone, call the responsible party, and make things work quickly. Larger companies often require a mayhem of red tape just to provide you with answers to questions or to make small changes the service that they provide you. Because we're a family, we can provide you with much quicker service than they can.
A family-owned business can get things done faster
2. A Focus On Service, Not Business Politics
The key players at A&A Underwriters are all part of the same family. This means that we demonstrate a level of solidarity that you won't find among other businesses. We're not playing politics, attempting to outmaneuver each other so that we can get a promotion. Instead, we work together as members of the same family who also happen to be owners of the same business. Because we don't waste time with office politics, we have more time to be committed to the success of our business and provide exceptional customer service.
3. An Additional Level Of Specialization
A family-owned business means that the family is part of the business. As a result, there is an additional level of commitment to the success of the business than is typically found in people who are just employees and consider their work to be a 9-to-5 job. Since our family is tied to A&A Underwriters, we work extra hard to become experts in all the particulars of the insurance industry. This means that we can provide you with better options for your insurance needs.
So the choice is yours. Would you rather do business with a bunch of disconnected people, each looking out for their own self-interests, or would you rather do business with a great family-owned insurance agency that has a history of providing quality insurance to businesses just like yours?
The first day of June is almost here. For many people, that means the kids are getting out of school and summer vacation season is beginning. For others, it's a welcome sign that warmer days are coming.
It's also the beginning of the Atlantic hurricane season in the U.S.
Hurricane season, officially, lasts from June 1 through November 30. During that time, it's likely that at least a couple of Atlantic hurricanes will make landfall on the eastern seaboard in the United States.
Florida is a frequent target of hurricanes. The costliest hurricane to ever hit the U.S. was Hurricane Andrew in 1992. That Category 5 storm made landfall at Elliot Key, FL. It cut a line of damage across the entire state as it worked its way into the Gulf of Mexico.
If you own a business in Florida, you need to be prepared for hurricane season with proper insurance. Otherwise, you could lose your business entirely.
Commercial property insurance is available to you if you operate out of a commercial building. Typically, a commercial property insurance policy will cover loss that's a result of theft, fire, smoke, vandalism, and, most importantly, wind.
The specific property covered will be named in the policy. Usually, though, it covers buildings, documents, and equipment. The really good news is that some property insurance policies also cover loss of income caused by business interruption. So, if your business is unable to operate for several days (or weeks) after the hurricane, you'll receive compensation for that down time from the insurance company.
Hurricanes are not only known for powerful winds, they're also known for dumping a lot of rain on the ground. Rains can cause flooding, especially in areas near the ocean or a river.
If your business is located in an area that has the potential for a post-hurricane flood, you might need flood insurance in addition to your standard commercial property insurance. This is because you could experience damage that was caused by a flood, but not by wind or other hazards specifically named in the policy.
Flood insurance, like commercial property insurance, will cover you for damage caused by flooding. Typically, specific items that are covered include the building, its foundation, electrical systems, plumbing equipment, climate control equipment, kitchen equipment, carpeting, paneling, and fixtures.
It should be noted, though, that flood insurance does not cover damage caused by mold, mildew, or moisture when that damage could have been avoided with reasonable efforts of preventative maintenance. In other words, even with insurance, you're still going to want to make a good faith effort to prepare your property for the worst and limit the damage.
Hurricane season is almost here. Be certain that your Florida-based business is ready for it with proper insurance.
Pablo M Conde