Small business owners often assume buying general liability insurance directly from a big- name carrier is simpler or cheaper, but working with an independent agency like Rapid A&O typically delivers better coverage, service and value.
When you go direct, you only see one quote and one underwriting approach. If that carrier dislikes your industry, location or claims history, you may pay too much or face restrictive exclusions. An independent agency can compare multiple carriers, each with different appetites and pricing models, to find the best fit for your business.
Rapid A&O also helps with contractual requirements that direct call centers often struggle with, including additional insured endorsements, primary and noncontributory wording, waivers of subrogation, per-project aggregates and fast certificates of insurance. This support is critical when you’re trying to win or keep important contracts.
Rapid A&O also helps with contractual requirements that direct call centers often struggle with, including additional insured endorsements, primary and noncontributory wording, waivers of subrogation, per-project aggregates and fast certificates of insurance. This support is critical when you’re trying to win or keep important contracts.
For a side-by-side comparison of direct vs independent agency options for your general liability, contact Rapid A&O at 818-296-8563.
