When it comes to your commercial insurance, your broker’s value shouldn’t just show up once a year — it should be felt all year long. Too often, clients only see their broker’s efforts at renewal time, when a polished report suddenly appears outlining all the “value” supposedly provided over the year.
But here’s the truth: if your broker needs to prove their worth at renewal with a report, they’ve probably already lost your trust.
Real-Time Support, Not Once-a-Year Service
As a commercial insurance broker in the mid-market, I believe in showing value in real time. Our clients should never wonder whether we’re working for them — they should see it in our day-to-day service and support.
That means actively fighting for better premiums, making sure certificates are issued quickly, helping manage and close claims, and being there whenever issues arise. These are not once-a-year tasks — they’re ongoing responsibilities that define what a true insurance partner does.
Why the Renewal Shouldn’t Be the “Prove It” Moment
If the only time your broker demonstrates their worth is at renewal, that’s a red flag. Renewals should be the culmination of a year of proactive service — not a last-minute effort to justify their fees.
A good broker maintains your trust by keeping you informed, managing risks throughout the year, and helping you navigate claims smoothly. That way, when renewal season comes around, you already know they’ve been working hard on your behalf — no report needed.
A Broker’s Role Is About Partnership
At the end of the day, the client-broker relationship should be built on transparency, trust, and consistent communication. When you work with a team that’s truly invested in your business, you’ll feel their presence throughout the year — not just at renewal.
Take what resonates with you and leave the rest.
Thanks for reading — and if you have any questions about how real-time insurance service should work, feel free to contact me directly or explore more of my videos for helpful insights.
