Top 5 Things to Consider When Choosing a Commercial Insurance Agent

When it comes to protecting your business, choosing the right commercial insurance agent is just as important as selecting the right policy. A skilled and trustworthy agent can help you identify risks, navigate complex policies, and ensure you have the coverage you need to protect your business. At RT Insurance, we know that not all agents are created equal, so here are the top five things to consider when choosing an agent for your commercial insurance needs.

1. Industry Expertise

Every business is unique, and the risks you face depend heavily on your industry. Whether you run a construction company, a retail store, school district, emergency management service, outdoor business or a tech startup, you need an agent who understands the specific challenges of your field. Our experienced commercial insurance agents know what coverage is essential, what can be customized, and how to protect your business effectively.

Tip: Ask potential agents about their experience with businesses like yours and any specialized training or certifications they have.

2. Access to a Range of Products

Not all insurance agents have access to the same range of carriers and policies. Independent agents, like those at RT Insurance, often have access to multiple insurance providers, allowing them to compare policies and find the best fit for your business. This flexibility ensures you’re not stuck with a one-size-fits-all policy that doesn’t meet your needs.

Tip: Confirm that your agent works with a variety of carriers and can offer multiple options tailored to your budget and requirements.

3. Commitment to Risk Management

Insurance is just one piece of the puzzle when it comes to protecting your business. A great agent will go beyond just selling policies and help you develop a proactive risk management strategy. This could include reviewing safety protocols, identifying gaps in coverage, and suggesting ways to mitigate potential losses before they occur.

Tip: Look for an agent who offers regular policy reviews, risk assessments, and advice on minimizing risks specific to your industry.

4. Strong Communication Skills

Your agent should be a trusted advisor who keeps you informed and confident about your coverage. They should explain complex policies in simple terms, answer your questions promptly, and ensure you understand your coverage limits, exclusions, and obligations.

Tip: Pay attention to how responsive and transparent an agent is during your initial conversations. Clear and open communication is key to a successful relationship.

5. Proven Track Record of Service

An agent’s reputation matters. Look for one with a history of satisfied clients, strong reviews, and a commitment to excellent customer service. A reliable agent will be there for you not only when you’re buying a policy but also when you’re filing a claim or need guidance.

Tip: Check for testimonials, reviews, and referrals. Don’t hesitate to ask for references from other businesses they’ve worked with.

Partner with RT Insurance

At RT Insurance, we pride ourselves on meeting all five of these criteria and more. We understand the unique needs of businesses and are committed to delivering tailored coverage, proactive risk management, and exceptional service. With our expertise and access to a wide range of commercial insurance products, you can trust us to protect what matters most to your business.

Ready to find the right agent for your commercial insurance needs? Contact us today to schedule a consultation.