JOE GAST
Are there any coverages people may not realize are available and should consider?
For businesses, I would recommend asking about Business Income/Extra Expense & Ordinance or Law Coverage. Some counties now mandate sprinklers for new construction, and many property owners would not have enough coverage to rebuild and install sprinkler systems that satisfy the current code. By purchasing increased ordinance or law coverage, you are protected. On the personal insurance side, many people mistakenly think their homeowner’s policy covers boats, recreational vehicles, business on-premises and flood coverage, but it doesn’t.
What is it that your agents do for their clients that other agencies may overlook?
Avery Hall agents review client policy limits and coverages regularly. We will remarket and shop accounts that experience an increase of more than 10% on an annual renewal. We have an in-house claims department to guide clients through the entire claims process, as well as a dedicated commercial certificate of insurance team to ensure a quick turnaround.
What are the benefits for a client working with an independent insurance agency?
As an independent agency, we have the freedom and advantage of providing a wide range of choices when it comes to insurance providers and coverages; this means our loyalty is to our clients, not the insurance companies. Our job is to help you navigate the complexities of insurance and decide on the best coverage and price for you, your business, or your family. As an independent agency, we invest in the communities we serve through both monetary support and volunteering with local non-profits and service organizations.
What advice would you offer for a spring tune-up of one’s insurance policy?
We suggest setting aside time to review everything on your policy and treat it like it is being written for the first time. Think about all of your assets, and possible liability exposures.
For businesses we suggest a thorough review of property limits, business income limits, sales
and payroll, and any operational changes that have occurred over the past year.
What makes Avery Hall the right choice for businesses and individuals that have
insurance needs?
Our team of experienced agents provides personal service and unparalleled client care.
We offer the same level of service to an individual with a small policy as we do our large commercial clients.
Delaware offices: Milton, Bridgeville & Seaford
Maryland offices: Salisbury & Easton
410-742-5111 | AveryHall.com