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1. Clients who are married to one broker often pay higher premiums. 2. Larger insurance companies are usually more risk-averse. 3. Smaller "boutique" insurers often offer policies where the big guys don't. 4. You can have an aviation insurance broker AND a P&C broker. They are NEVER the same person, or at least they shouldn't be. 5. Insurance companies will often negotiate if you threaten to cancel your policy. They really don't want to send you a check. 6. The financial rating of an insurer is critical for life insurance and investments, but not for liability policies. By law, any claimants have to chase the insurer for payment. The policyholder is off the hook. Just a few nuggets to take or leave as you see fit. Last edited by mshac : 11-09-20 at 09:16 PM. |