In short, we don't.  Unfortunately, consumers are taught to "shop" their insurance every few years.  "It keeps my agent honest."  "We aren't getting the best price."  "I need to reduce overhead."  All of the reasons are reinforced by agents across the country, who actively sell insurance purely on cost.  And, we agree, keeping insurance costs reasonable should be part of every business' risk management plan.

However, focusing purely on "the bottom line" can be catastophic for a business.  Some agents/broker freely remove important coverage to undercut the current premium.  You should expect these results when your instructions are "beat this number, and the business is yours."  And, without insurance knowledge, you would never know there was an issue.  That is, until you have a loss that isn't covered.

We help design a strategy that will help you gain total control over your insurance program, including costs.  We will always work to place your insurance with a carrier that specializes in your industry and has competitive rates.  However, we do not participate in bidding or shopping.

Insurance is not a commodity.  There are far too many variables to only focus on price.  The questions to your agent/broker should be:

• Am I with the most appropriate carrier for my business? 
• Is there anything I can do to control/retain more risk to reduce expenditure?
• Can we go over all lines of coverage, so that I understand how they relate to the overall cost?
• What resources do you have to help me control loss?

If the response you get is unsatisfactory, then it might be time to start a new agent relationship with an agent/broker who can help you achieve your risk management goals.