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3 Reasons Commercial Insurance is Better With Wiedemann

3 Reasons Commercial Insurance is Better With Wiedemann


Running a business can be challenging in many ways. From budgets and payroll to employee safety and insurance, there are dozens of details to stay on top of on a daily basis. This can be a daunting task for anyone. Thankfully, you don't have to go it alone. At Wiedemann Insurance, we know how overwhelming choosing insurance can be. We also know how crucial it is for your company to be adequately covered. That's why we provide our clients with the best commercial insurance along with the highest level of customer service. When you hire us, you're getting an experienced agency that will guide you through the process, making your job a little easier. There are a few ways we do this:

1. Best policy at the best price

First and foremost, we make sure you're getting the best policy (i.e., the policy that covers your needs). We spend time getting to know your company so we can ensure you are getting the appropriate amount of coverage. Then we focus on getting you the best price for the best policy. Many people make the mistake of choosing insurance based on the lowest price. This can leave you with a basic policy and little coverage, which has the potential to be financially devastating to any company. Imagine you took out a cheap liability policy online and later filed a claim, only to discover your coverage is lacking. The end result could mean a loss for you.

Since the point of having insurance is to protect you from a loss, you want to make sure you have an experienced agent working on your behalf to help you get the coverage you need. Choosing the lowest priced policy could end up costing your company an immeasurable amount in coverage protection and, ultimately, leave you vulnerable to loss. We go to great lengths to make sure you're affordably covered.

2.   Customer service

We are able to offer the highest level of customer service because we are an independent agency. This means we represent multiple companies, not just one, and can provide you with a custom-tailored policy suited for your specific business needs.

  • Our clients have 24/7 access to our team for any questions or issues that may arise.
  • We offer insurance certificate and subcontractor compliance management services to aide in keeping your company’s risk level as low as possible.
  • Premium management services are available and can be used to perform a mid-term audit to make any necessary premium adjustments. This helps prevent any possible overpayment to the insurance company.

3.   Improving your business

Not only do we strive to provide our clients with coverage for their needs, but we also help them make adjustments that can ultimately lower their premiums. A main way we do this is by reducing your company's experience modification rate (EMR), which is used by insurance providers to determine your workers compensation premiums. They look at your company’s claim history to project costs and figure the amount of risk involved. If you have multiple claims, your EMR will be higher, which will increase your premiums. This is not a good situation for any company to be in. That’s why we take the steps necessary to help you keep your company’s EMR low.

We implement injury management and facilitate a return to work program for injured workers. In the event of a claim, it’s crucial to get the injured worker back to work in a safe and timely manner. The longer workers compensation claims stay open, the bigger the chance of an increase in premium. We stay on top of your claims to ensure they’re closed promptly and your premium rates remain stable.

Insurance companies also use complicated classification codes to determine premium rates and perform annual audits to prevent underpayment. We have created an overcharge and error-proof review system to ensure your company isn’t being overcharged due to misclassification or other discrepancies.

By putting these processes in action, we are typically able to save our customers 30-40%, without sacrificing coverage. With Wiedemann on your side, you can rest assured your company has the protection it needs. You can also be sure we're on top of your claims and are always looking for ways to keep your premiums low. Your success is our success, so the better your company performs, the better our company is performing.

Take a look at some of our business products for more information on contact us to schedule a consultation.

 

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