Let's face it, insurance agents can ask a lot of questions. Sometimes, it may seem like too many. I can assure you, these questions are extremely important, and in most cases, are being asked by an underwriter from one of the insurance companies. Independent insurance agents, like us, represent many insurance companies when dealing with Business Insurance, which means we will probably be asking more questions than if you were to call a captive agent or an insurance company directly.
I know a lot of business owners tell me, "why do they ask so many questions?....I've never had a claim". Think about it this way, as a business owner, if you were going to put a $1,000,000 on the line for another company, what kind of questions would you ask? Now, I know the insurance company isn't giving you a loan, but they are determining whether or not they want to cover your business and defend your business in court should it come down to that.
In addition, these questions can help determine coverage that is needed for your business. In some cases, businesses are getting a certain type of Business Insurance because it is required. This is fine, but sometimes, what is required isn't necessarily what is needed. It's important to understand why you are getting insurance.
Some of the questions might seem redundant and might not seem relevant to your business, but if you are getting Business Insurance and the agent isn't asking questions, I would be concerned. If I can help with any Business Insurance needs, please let me know.