How we do business…
While most brokers stay hidden behind computer screens and push everything through email, we still do business face-to-face. We come to your location, sit down with you, and take the time to truly understand your operations. When you call, a real person answers the phone. No endless email chains. No automated replies. Just straightforward, personal service from professionals who believe relationships still matter. In a world that’s going fully digital, we deliberately go the other way—because that’s how real business gets done.
Assessment
We being by visiting the subject property or business in person – how can you do a good job without seeing what you are insuring? A completely walk through is completed along with the collection of all information related to your operation. This includes – building information, machinery & equipment lists. Additional risk areas are identified, an application is completed and an application is sent to all available markets for quote.
Proposal
A proposal is completed upon receiving all available quotes. Our proposal will outline all areas of risk including coverage types and premiums for each category. We will review all limits of insurance, policy wordings, and give a direct comparison to the currently policy that you have.
Purchase & Monitor
Once the insurance policy is purchased, we are always available to respond to any changes such as the addition and/or removal of equipment, certificates of insurance ect. Most businesses change over the years, and your policy should to. We ensure your premium dollars are being spent on current items rather then on things you no longer own.
Re-valuate & Re-market
This is where we shine – every year we review coverage, and re-valuate your policy based on changes to your operations, and economic trends. Equipment lists change, cost to rebuild can fluctuate – we want to ensure your paying premium for the coverage’s you need. We will also re-market your insurance policy to ensure your premiums are remaining competitive with other insurers.
Damen MacGillivray 