Shopping for commercial insurance can feel like a formality. You ask a few agencies to “shop around,” wait for quotes, compare prices, and make a decision. Simple, right?
Not so fast.
Before you allow any agency to start quoting on your behalf, it’s essential to understand that who you authorize — and how they operate — directly affects your options, pricing, coverage quality, and claims experience.
Many business owners don’t realize that once a broker submits your business to a carrier, other agencies are often locked out from approaching that same carrier. That means choosing the wrong agency upfront could limit your access to competitive markets and better representation — even if you later realize you want to work with someone else.
So how do you avoid getting boxed in?
Start by asking these 10 questions before giving anyone permission to quote.
Top 10 Questions to Ask Before Letting an Agency Quote Your Commercial Insurance
- What types of businesses and industries do you specialize in?
You want a partner who understands the risks, exposures, and coverage nuances of your field — not someone learning as they go. - How many commercial carriers do you work with — and which ones are you planning to approach for my business?
Access matters. The more appointed carriers your agency has, the more leverage and choices you’ll have. - What’s your process for reviewing my existing policies and identifying potential gaps or overlaps?
A great agency doesn’t just quote what you already have — they strategize around what you actually need. They should be asking you many questions about your business to provide the best solution. - Who will be my main point(s) of contact?
Find out how they manage commercial customers. Do they have a qualified team, or do you simply get anyone? - How will you support me at renewal, during policy changes, or if I need to file a claim?
It’s not just about buying a policy — it’s about who’s there when it matters most. - How quickly can I expect responses for questions, changes, or issues?
If they’re slow to reply now, it won’t improve later. - What kind of claims support do you offer? Do I contact the carrier directly, or will you assist?
A true advocate doesn’t disappear when a claim hits — they step in and guide you. - How do you help your clients stay educated about coverages, risks, and changing insurance trends?
The best agencies act as an extension of your risk management team — not just a sales rep. - Can I see examples of client feedback or testimonials?
Reputation matters — and happy clients speak volumes. - What makes your agency different from others I could work with?
If the answer is vague or generic, consider it a red flag.
How Keslar Insurance Does It Differently
At Keslar Insurance, we don’t just offer quotes — we offer strategy, education, service, and integrity. Here’s how we stand apart:
- Broad Carrier Access
We work with dozens of A-rated commercial carriers, giving you true choice and leverage. We don’t “lock out” markets to block others — we earn your trust by delivering value. - Dedicated, Experienced Commercial Team
Our team lives and breathes business insurance. Our agents only do Property and Casualty insurance, so they know their stuff! This means we know what questions to ask, what risks to watch for, and how to build policies that protect your future. We are regularly told that we ask more questions than any other agency. And that’s good. The more we know about your business, the better protection and pricing you can get! - 5-Star Rated Service
With hundreds of glowing reviews, our clients consistently highlight how hard we work, how fast we respond, and how supported they feel. - You Get a Real Human — Every Time
When you call us, a human answers the phone. No menus. No bouncing around. Just help. - Proactive Account Management
Once you are a customer, you’ll have a dedicated account manager focused on your renewals, changes, and day-to-day servicing, so nothing falls through the cracks. Should that person not be available, you have a full team here as a backup! - Claims Advocacy
If something goes wrong, we’re your first call. We walk with you through the claims process, every step of the way. We answer questions, deal with any processes, etc. - Fast, Consistent Communication
We strive respond in hours — not days or weeks. If we are waiting for additional information, you will know. You’re never left waiting and wondering. - Education First
We take the time to explain the “why” behind every coverage recommendation — so you can make informed, confident decisions. - We Prioritize Value, Not Just Price
We always seek to reduce costs when we can — but never at the expense of your protection. We’ll tell you when cutting coverage is a bad idea, even if it costs us the sale. Fairly regularly, we’ve even sent customers to the competition if we believe they can provide a better fit for their needs! - Technology-Driven, Human-Centered
We embrace technology that improves your experience — including:- Video quote reviews
- AI-supported workflows and CRM systems
- Our own Keslar Insurance mobile app
- Educational content via social media and blogs
- Digital forms and e-signatures to save you time
- Local, Independent, and Relationship-Driven
We’re not a faceless national brand. We’re local business owners, just like you — rooted in the community, building long-term relationships, and focused on helping our clients thrive. You can readily see our commitment to our community on our website and social media.
Before You Say “Yes” to Any Quote…
Make sure you’re working with an agency that will represent you well — not just now, but long-term.
Ask the tough questions. Get to know them and determine if they are the people you want to have your back should a situation occur. Look beyond the lowest number on the page. And find a partner who will earn your trust every step of the way.
Want to see the Keslar difference for yourself? Let’s talk before your next renewal — we’ll walk you through a better way to protect your business.
