The type of insurance, the coverages, and the amounts you may need are all very dependent on the unique characteristics of your business, such as your industry, the size of your business, your experience and risk factors, your budget, and many other factors. You can get insurance anywhere – but making sure it's tailored to your unique protection needs is challenging.

That’s why it's essential to work with an insurance advisor – one who knows you, your business, and the options available. At InsureGood, we use the term "Insurance Foundation" to refer to the coverages that we feel are the most critical to ensure you're adequately protected. This allows you to prioritize effectively based on your budget and risk tolerance.

Also, keep in mind that your insurance needs change as your business changes. Increased sales and new partnerships, for example, change your risk profile - so it's crucial that you actively manage your insurance program.

Insurance premiums are based on several factors such as industry, risks that increase the odds of a loss (such as property location or occupational hazards), your insurance history, the amounts of insurance needed, industry trends and your level of comfort in assuming some risk. Here are some tips to help manage your commercial insurance costs:

• • Don’t skimp on "Foundational Coverages" if you can at all help it – a loss will likely cost more than you pay in premium. Instead, explore different types of cash-flow friendly payment plans to help manage the expense.
  • Bundle as many of your policies as possible with one carrier to take advantage of credits and avoid gaps in coverage.
  • Lower your risk of losses using safety and risk management programs. Our Prevent360 program can help you identify opportunities to lower your risk profile.
  • Don’t file small claims if you don’t have to.
  • Pay your bills on time and don’t allow your insurance to lapse.
  • Work with an independent agent who can help you find the best coverages and rates with access to multiple carriers.

InsureGood was built by small business owners, for small business owners – so we have a unique perspective on the challenges you face and how we can support you as you grow and scale your business. Our insurance view is unique. We see insurance as a valuable business tool, not a necessary nuisance. As an Independent insurance agency, we can provide you with choices on your coverage and costs. Still, unlike most traditional agencies, we’re built on modern technology and business platforms designed to meet the needs of the modern entrepreneur. Lastly, we’re a mission-driven company built on the idea of giving other entrepreneurs in our local Connecticut communities, particularly minorities - the same access to opportunities, education, and capital that we’ve been blessed to receive. So as we grow, so does our investment in community development.

Every client receives a dedicated Advisor to act as the lead on their account. Your Advisor will perform your annual Business360 and Review360, coordinate any outside services you may need, answer your coverage questions, and more. Think of them as a business partner.

To supplement our in-house expertise, we partner with our carriers to provide weekend, after-hours, and holiday service, ensuring you always have what you need.

InsureGood’s technology-enabled platform allows you to interact with us in whatever manner works for you, from traditional communication such as phone or email to video chats, texting, or chatbots. You also receive access to our mobile app and the MyProtect360 portal to seamlessly manage all of your insurance from wherever you are.