Simplify the Complexity of Property and Casualty Insurance Coverage
The Right Coverage at the Right Time at the Right Price
The Stakes Have Never Been Higher
The surge in ransomware attacks, catastrophic natural disasters, emerging environmental risks and astronomically inflated insurance claims is escalating insurance costs and significantly complicating and lengthening the renewal process. In this challenging environment, we remain dedicated to delivering the service and expertise that support our promise to protect you like family.
When It’s Time to Change Insurance Brokers
Selecting the right commercial broker is crucial, but how do you know when it’s time to make a change? Here are some signs that it might be time to find a new broker:
- ✔ Slow or No Response to Requests: If you must repeatedly email your broker for answers to simple questions or to obtain certificates of insurance, it might be time to look elsewhere. Fast, professional service is essential. Who has time to chase down endorsements or certificates? Nobody.
- ✔ Unclear Renewal Process: Renewal is a critical time when your risk is reassessed and sent to the market. Coverage and premiums can change during this period. A good broker keeps you informed about the renewal process and any coverage changes.
- ✔ Too Few Quote Options: A good broker provides multiple quote and coverage options. Even if quotes seem similar, small details can make a big difference. If your broker can't offer options on limits and deductibles, it might be time to look elsewhere.
- ✔ Lack of Insurance Expertise: The insurance world is complex, and your broker should be your expert guide. They should be able to explain your policies (coverage, terms, conditions, and exclusions), how they protect you from risks, and how to manage them.
- ✔ No Claim Assistance: A service-oriented broker will help you navigate the claim process and advocate on your behalf to ensure a fair settlement. If a claim arises and you are left to fend for yourself, it’s time to find a better broker.
Expert Guidance for Your Peace of Mind
For more than 90 years, Hylant has expertly helped organizations like yours identify and insure risks, securing comprehensive, cost-effective policies in a timely manner. We invest the time to properly prepare your risk story to make it easier for our long-time carrier partners to assess and address your coverage needs properly.
Along with providing unique insights, exceptional guidance and claim support throughout the year, Hylant empowers you with tools to analyze and manage your commercial risk management programs more quickly and easily. Less time spent on insurance means more time focusing on your business.
Take a Closer Look
Service in Action
In early December, a condo board learned that its property insurance wouldn't be renewed at the end of the year partially due to a large, unresolved hail claim. The broker provided no guidance. The board called Hylant on December 23.
Market Updates
Twice a year, our risk advisors share their assessment of commercial insurance market coverage lines. Read the report to learn about the trends, issues and conditions influencing your insurance premiums and availability.
Shared Expertise
As your business evolves and your risks change, we meet with you regularly to ensure you're covered. In addition, the Hylant Blog provides ongoing risk management commentary and insights to keep you updated.