According to Thomas E. Nelson , the president of Hallmark Insurance Associates , Inc. , Fresno , CA , an insurance agent typically writes policies for several hundreds of companies that cover a wide spectrum of industries , and therefore might not necessarily know the basics of any one in particular
also notes that an insurance agent that focuses on carpet cleaning , or the cleaning industry in general can be beneficial when it comes to coverage.
Agents that don't focus are limited by the markets for the best coverage , pricing for that type of business is also limited because they have to maintain markets competitive over a broad scale of things rather than to a particular trade , Nelson
says.Generally speaking , when a customer can go to an agent that specializes in his
particular type of business , he
is better off..
On top of being able to find more competitive rates and knowing the industry-specific coverages a carpet cleaner would need , an agent who understands the field can also prove to be beneficial come claim time.
gives an example of a carpet cleaner who uses hot water extraction , and faces a claim from a customer who said that light spots appeared in his
carpet after the cleaning.The carpet cleaner turns the claim over to his
insurance agency.This is where there can prove to be difference between an agent that understands the field and one that does not.
If the insurance carrier isn't experienced in adjusting carpet damage claims , they'll do one of two things – they'll deny the claim without any further statement , or they will pay for the carpet and that claim will go against that person's insurance record..
If this is the case , chances are the insured's premium will go up or he
will be terminated.On the other hand , if the carrier knows and understand the field , he
will be more likely to try and reason with the claims department or , or if necessary , with the claimant..