“Insurance is like a hospital gown.  You think you’re covered…but you’re probably not!”

This statement echoes the general consensus of the American public.  Unfortunately, I must admit this statement is true all too often.  Most people do not realize they are lacking coverage until after they have suffered an uncovered loss.  A loss that could have been covered if only the correct policy was chosen or the policy was written correctly.  Remember, your true cost of insurance is the sum of the premiums you pay, your deductible and the amount of any uncovered losses.  Uncovered losses can lead to financial ruin!       

The most important decision you will make when it comes to your insurance program is the agent you choose to represent you.  You want as many options as there are available for your insurance program. As such, you don’t want an agent who is an employee of an insurance company. Or, an agent whose paycheck is tied to just one company. You want someone who will work for YOU. You want someone who has access to a variety of insurance companies, a variety of programs. You want someone who can compare price and coverage options. Someone who can get the most comprehensive coverage possible for you. 

As an Independent Agent, I will use my expertise to locate the best value for your premium dollar.

Insurance is about protecting yourself and your family from financial disaster.  And risking all that for a couple of bucks simply isn’t worth it.  The good news is the truly good companies usually have very competitive rates, too! You don’t have to get raked over the coals to get top-notch protection, but if you’re only going for the cheapest price you could be making a financially deadly mistake.

                                                                                             Stephen D. Shoultz

                                                                                             President, Priority Risk Management, Inc.