Uncategorized Archives - Reliance Insurance

Run a Small Office? Why Commercial Insurance is Vital to Your Business

Reliance Insurance — Sat, 11 Mar 2023 04:38:41 +0000

As a small business owner, you may think your business is not big enough or not at risk enough to warrant carrying business insurance. You’re not alone. Many small business owners or self-employed professionals do not feel they need coverage or feel it’s too expensive, they think their home and auto insurance is enough or for some, they haven’t even thought about it.

If you are running a small office – even if it’s only you and a few others – like an accountant, mortgage broker or real estate agent, your business has risks. If you are a local dentist, you likely have malpractice insurance, but there are other risks your business faces.

Keep this in mind: No matter how small your office or how risk-free you believe your services are, you will benefit from having some form of business insurance. Every business carries some form of risk, whether foreseeable or not. Consider some of the following:

Property damage

Nature is unpredictable – never more so than today – and natural disasters such as floods, fires, and storms can create significant damage to property. Protecting your business from the costs of repairs is critical to maintaining your operations.

Business interruption

Significant damage to your property can also cause an interruption in your business activities, resulting in lost income. With the right coverage, you can protect yourself from these losses.

Third-party injury

Slips and falls are the most common cause of injury in the workplace. If someone is injured while visiting your office, you are responsible for their legal and medical bills should they sue.

Other lawsuits

In addition to physical injury, you could be vulnerable to liability claims relating to the products or services you provide. For example, product defects, coding errors, or even bad advice that result in damage or harm to someone else, whether physical or financial, could result in a lawsuit that could cripple your business.

Cyber attacks

Cybersecurity is a major issue these days. But it’s not just the high-profile companies you hear about in the news that are targets. Small businesses are at risk as well…and are more vulnerable as they tend to have fewer security measures in place (if at all) and less sophisticated computer systems. With more staff working from home, the risks are even greater with less-secure home networks, computers being portable and vulnerable to theft, and the use of public Wi-Fi.

Commercial insurance is not a one size fits all coverage. Just as your two-person real estate office differs from the national brokerage across the street, so too should your insurance coverage. Consider what risks your business has or might potentially have and then talk to an Insurance Broker, who can review your particular needs and advise you on what types of coverage are best suited for your business. They also have access to multiple carriers to provide you with the best coverage at the best rates and are there for you when you need to make a claim.

Don’t let the unexpected damage your business. Protect your business and your livelihood with commercial coverage.

Let us help you protect what matters most. At Reliance Insurance, we tailor your policy to your specific needs. Contact us today for business insurance advice, to review your existing policy or for a quote.

The post Run a Small Office? Why Commercial Insurance is Vital to Your Business appeared first on Reliance Insurance.

Accidents Happen. Protect Your Business with Commercial General Liability (CGL) Insurance

Reliance Insurance — Wed, 01 Feb 2023 02:38:41 +0000

As a General Contractor, you find yourself in many different situations, locations and work environments. You may have employees or do all the work yourself. And even though you are experienced, trained and follow safety protocols, accidents can happen. You don’t always have control of your environment or what others, including your employees, do while you’re on the job.

An underground cable gets cut on a dig, a wall is badly damaged during a home renovation project or a client trips and falls over equipment left in the wrong place. From property damage to bodily injury, accidents can occur at any time and can be catastrophic to your business and your livelihood.

While you can’t always control what happens on the job, you can control the impact accidents can have on your business. Third-party lawsuits can derail a business. Commercial General Liability (CGL) insurance can help mitigate the losses you might experience from liability claim.

CGL policies typically include coverage for:

financial losses resulting from third-party lawsuits claiming bodily injury or property damage at a job site or your place of business
damages from accidents on a job site, such as slips and falls, as well as any damage to third-party property caused by the contractor’s work
damages that might occur after work has been completed

It’s also important to note that many clients and municipalities require contractors to have CGL protection before they can work on a project. Coverage and options vary, but a good rule of thumb is to prepare for the worst possible scenario when determining coverage amounts.

Don’t let an unexpected lawsuit ruin your business. Protect your business and your livelihood with CGL coverage. At Reliance Insurance, we tailor your policies to your specific needs.

The post Accidents Happen. Protect Your Business with Commercial General Liability (CGL) Insurance appeared first on Reliance Insurance.

Invest in the Right Insurance Policy

Reliance Insurance — Wed, 04 Jan 2023 04:52:18 +0000

It seems that everything is costing more these days. With rising interest rates and higher grocery bills, we’re all looking for ways to stretch our dollars further. Cutting back on unnecessary expenses is one of the best ways to do that.

But what expenses are unnecessary? When we look at all the things we spend money on each month, it can be hard to evaluate what is really a ‘need’ versus a ‘want’ versus a ‘must have’. One of the ways we use to determine this is by asking ourselves, “what value do I get from this expense?”

Insurance

Insurance – whether it’s life, home, auto or business – is one of those monthly expenses that can be hard to measure the value of. We pay it every month but what tangible benefit are we getting from it? Yes, we’re insuring ourselves or our business should something unexpected happen, but what if nothing happens? When weighed against expenses for things that are more tangible – like food and clothing – it can be tempting to consider an insurance premium expendable.

But life is unpredictable and the cost of doing nothing (i.e. not having insurance) can far outweigh the cost of your monthly premium. Even the safest drivers can get into car accidents. A pipe can burst and cause your basement to flood. Someone at work gets injured. Or worst of all, death – a certainty for all of us – can come unexpectedly.

Factors that Affect Premiums

Without insurance, the cost of these unexpected incidents from repairs to loss of income can be catastrophic. The peace of mind that insurance gives you cannot be underestimated. But the good news is there are ways to save on your monthly premiums so that you’re protected in times of need while not paying for things you don’t need.

Firstly, understand what your insurance policy includes and does not include. Insurance contracts can seem complicated and full of legalese so we can be tempted to gloss over them and not read the fine print. However, it’s important to understand not only what your policy covers but also what the terms and conditions of the policy are should you ever need to make a claim.

Understanding your policy details will give you peace of mind in knowing that you’re protected should the unexpected occur. This is where your insurance broker comes in. They can explain the details of your policy in plain language to ensure you have the right protection for your needs and that you’re not paying for things you don’t need. Ask your broker lots of questions and have them review all your policies as they may find other opportunities for you to save.

Secondly, look for flexibility in your coverage. Not all policies are one size fits all. An insurance broker works closely with you to understand your situation and needs and can tailor a plan to suit your requirements and budget.

Finally, you may qualify for discounts that could save you even more on your premiums. There are multi-policy discounts, family discounts, association discounts and more. Be sure to discuss what options are available with your insurance broker to maximize your savings.

Knowing that you have the right protection for your needs not only brings peace of mind but turns what was once an intangible expense into a valuable investment.

Let us help you protect what matters most. At Reliance Insurance, we tailor your policy to your specific needs. Contact us today for home, auto, life or business insurance advice, to review your existing policies or for a quote.

The post Invest in the Right Insurance Policy appeared first on Reliance Insurance.

How to Save on Your Auto Insurance Premium

Reliance Insurance — Thu, 11 Aug 2022 01:42:29 +0000

Owning (or leasing) a vehicle is a necessity for many of us. And for our kids, buying their first car is like a right of passage – a first taste of real freedom. But freedom comes with responsibility, and owning a vehicle means you also need auto insurance.

And while we tend to rely on our insurance broker to provide us with the protection that we need for our situation, it’s good to know what factors go into determining our premiums. Many of these factors are within our control, so knowing them can help us save money and prevent unnecessary increases at renewal.

Driving Habits

How you drive can impact how much you pay. Many insurance companies are promoting the fact that if you are a safe driver, you’ll save money on your premium. And now, there are even apps that can track your driving habits directly to help you save.

But the biggest ‘habit’ to stay away from is distracted driving. Not only is this the most dangerous habit to engage in – it is the number one cause of accidents and road fatalities in Ontario – it comes with some of the most severe penalties. You could face thousands of dollars in fines, demerit points and license suspension. And this would result in an increase to your auto insurance premiums.

Other Factors that Affect Premiums

In addition to driving habits, where you live and the type of car you drive are also factors that can affect your premiums. Here is a list of the other major factors:

Location

Live in a safe, low traffic neighbourhood? You’re likely paying less than your downtown neighbours. Where you live affects your rates, sometimes right down to the postal code. For example, rates in metropolitan areas are typically higher due to the increased likelihood of accidents and theft.

Type of vehicle

Do you like to drive souped up, fast cars or are you the minivan type? SUVs are typically cheaper to insure than sports cars, as are new cars versus older. A luxury car will cost you more, as will a rare or custom vehicle.

Age & Gender

With age comes wisdom…and also lower premiums. Young drivers (under 25) pay more for their insurance as they tend to have more accidents than older drivers. Your gender and marital status will also have an impact on your premiums. (Yes, males tend to pay more due to their higher risk profile.)

Vehicle use

If you can work from home more and drive less, you can save as well. How far you drive to work, your average kilometres per year and whether you drive primarily for business or pleasure, all affect the premium you pay. Essentially, the more you drive, the more you pay.

And while you can’t control all of these factors, there are other things you can do to save on your premiums. For example, you can earn discounts by installing winter tires and an anti-theft device, taking a drivers training or defensive driving course, and even by parking in a garage or driveway.

If buying auto insurance sounds complicated, it doesn’t have to be. And while there are many sites that will compare rates and give you online quotes, nothing beats the ability of an insurance broker to assess your unique situation and find the right options and best premium for you.

Let us help you protect what matters most. At Reliance Insurance, we tailor your policy to your specific needs. Contact us today for auto insurance advice, to review your existing policy or for a quote.

The post How to Save on Your Auto Insurance Premium appeared first on Reliance Insurance.

Hello Summer Travel

Reliance Insurance — Wed, 06 Jul 2022 04:52:26 +0000

Summer is here and with it comes plans for road trips and adventure. Whether it’s a trip to the east coast or a day trip to the beach, getting the car ready for the road is important. While checking the oil, tires and fuel level are standard, few of us think to check our insurance.

If you drive a car in Canada, you must have auto insurance. But the type of protection you require can vary from province to province. At a minimum, you need third-party liability insurance, which protects you in the event of accidental injury or property damage.

There are two other types of auto insurance protection – collision and comprehensive. Both may be optional, but if you finance or lease your vehicle, you must have both collision and comprehensive insurance. If you are travelling out of province or down to the U.S., check your policy to see what protection you have and if you need to add to it.

Travel Protected

Planning a long weekend up north? Those are busy times on the road and accidents can occur. Or, heaven forbid, you could run into a deer or moose along the way! With collision coverage, you’re protected if your car is damaged in an accident with another vehicle, object or even an animal.

It’s not only about the journey either. Where you travel to is just as important. When travelling to an unfamiliar destination it best to ensure you are protected. With comprehensive coverage, you’ll be protected for non-accident related damage like fire and theft.

The good news is that your auto insurance covers you for travel throughout Canada and the U.S. But it’s a good idea to check with your insurance broker to make sure you have the right protection for your trip and that you know what steps to take to file a claim.

What to Do in an Accident

So what happens if you do get into an accident? Depending on the severity of the accident and if there are any injuries, what you do immediately is important. The Financial Services Regulatory Authority (FSRA) outlines how to handle the immediate aftermath of an accident.

From a claims perspective, your insurance broker will need details of the accident, so make sure to get the following:

Name and driver’s licence number of all drivers involved
Policy details – insurer and policy numbers – for all drivers
Details of the vehicles involved – make, model, year, registration and licence plate number
Details of the accident, including date, time and location, number of passengers involved, extent of damage and any injuries
If reported to the police, get the name and badge number of the officer on scene

It can be a bit hectic at the time of an accident, so grab your phone and take pictures of all of the above to both document and help you remember the details. The FSRA also provides this handy accident worksheet to help you capture all the necessary information at the scene. We recommend you keep a printed copy in your glove box.

Finally, call your insurance broker as soon as possible after the accident.

The post Hello Summer Travel appeared first on Reliance Insurance.

Renovation Tips to Protect Your Investment

Reliance Insurance — Wed, 01 Jun 2022 02:56:15 +0000

These past few years we’ve spent more time in our homes than ever before and it’s made us appreciate the importance of what is likely our most valuable asset. It’s also why we have seen an increase in home renovations as we look to both improve our living space and invest for the future.

With spring here and summer just around the corner, many of us have started or are planning fix-ups, changes and enhancements to our home.

Perhaps you need to upgrade your fence or you’re ready to dive in with an inground pool. Or the family is growing, so you’re considering an extension or finishing the basement to make more room. Maybe it’s a new roof, new kitchen or bathroom upgrade. Whatever your project, make sure you’re protected both during and after your renovation.

Get Valuable Advice from Your Insurance Broker

Whether you hire a contractor or do it yourself, making changes or upgrades to your property can have an impact on your insurance protection. Have a conversation with your insurance broker to understand what may need protecting during your renovation to avoid any surprises. For instance, protection from water damage, vandalism or theft during a renovation is vital to the success of your project. And if the changes you are making are significant – say, over $50,000 – you may need to insure that investment with minimal impact to your policy coverage.

What if you need to leave your home during the renovation? Leaving your home vacant for an extended period of time could impact your home insurance policy. If you anticipate being away, talk to your insurance broker to ensure your investment is protected.

Ensure Your Contractor is Covered

Your contractor should have public liability and property damage insurance, as well as workers’ compensation protection in case any of their tradespeople get injured on your property. And for specialist trades, likeelectrical, make sure they have the appropriate licensing.

Even if the job is small, this protection is important for your peace of mind. Accidents happen and if your contractor is not covered, any damages or injuries become your responsibility. As always, talk to your insurance broker for the best protection advice on your specific renovation project.

Protecting Your Renovation Investment

Renovations are typically done to improve the value of your home. Once the work is completed, talk to your insurance broker to review your current home insurance protection and make any adjustments necessary. Ensure any increase in the value of your home or its contents is protected by your policy.

But my premiums will go up! Yes, that’s possible but the cost of not protecting your investment would be much greater. And some renovations may do the opposite. For example, updating or installing a security system, replacing outdated wiring or upgrading your roof can actually reduce your premiums.

Talk to your insurance broker to see what savings you might be able to gain from your renovation project.

Contractor Protection Tips

As a contractor that specializes in home renovations – big or small – you need to protect your business. Things can go wrong on the job and are not always within your control. But what you can control is your liability.

In Ontario, contractors are required to have commercial general liability insurance to protect against damage to or injury at a client’s property. With the right coverage, you ensure that both your business and your workers are protected. Ensure there are no gaps in your coverage by talking to your insurance broker or read our guide on buying insurance for contractors to learn more.

Let us help you protect what matters most for your home and your business. We tailor your policy to your specific needs. Contact us today to review your existing policy, get a customized insurance quote or answer any insurance questions you may have.

The post Renovation Tips to Protect Your Investment appeared first on Reliance Insurance.

4 Steps To Take When Buying Insurance For Contractors – Our Guide

PerfectBlendInc — Wed, 01 Apr 2020 21:38:49 +0000

Contractors in the construction industry are often faced with inevitable risks. Whether a general contractor, sub-contractor, electrician, plumber, or carpenter, one may possibly encounter some safety risks involved in their scope of work. For this reason, you, as the employer, should provide them with some forms of quality protection. That is where business insurance comes into the picture.

Business insurance serves to protect you from any liabilities and your contractors from financial losses should any untoward incidents happen. However, it’s critical to get the right insurance coverage from the best insurance provider.

In this article, we will share with you four steps to take when shopping around for insurance policies for your contractors:

1. Determine and Evaluate Your Risks

The first step is to determine and assess the risks faced by your contractors in the construction industry, which is why you have to study what your area of specialization is as a business. Along with this is understanding the scope of work of your employees on a daily basis.

Factor in as well the tools and equipment and the protective gear that they use to protect themselves while working. From there, you can set out a comprehensive risk management plan and getting the appropriate business insurance for your workers.

2. Have a Basic Insurance Foundation

Now that you have assessed the risk involved in the scope of work, you have to establish a solid insurance foundation. This means providing the basic coverage for your contractors, which is general liability coverage.

Also known as the Commercial General Liability (CGL), this coverage ensures protection against bodily injury and property damage. Injuries and property damages are common in the construction industry. So, when your workers get injured or accidentally burst a pipeline, the CGL will step in to cover the costs and damages.

3. Consider Expanding Such an Insurance Foundation

Once you have a solid insurance foundation, consider obtaining additional coverages for your workers. For instance, if you operate more than one construction site, invest in an umbrella policy, which serves as a supplement to the CGL discussed earlier. Know that the CGL policy may have some limitations in terms of benefits, which is where the umbrella policy steps in to go beyond the limited benefits.

4. Add and Focus On Specific Protection

Today, contractors wear various hats at once – from planning to designing down to the actual construction. When some workers even perform electrical work, HVAC maintenance, and plumbing services, they are presented with additional risks. Because of this, the basic and even supplemental insurance won’t suffice.

You will need to have some form of coverage that is specific to their needs. For instance, you may want to consider a builder’s risk policy to protect the owner, the general contractor, and the sub-trades. It can go as far as covering unlikely events, such as flood, fire, earthquake, and even theft.

Conclusion

Business insurance plays a vital role in many companies, particularly in the construction industry. It’s highly critical that you invest in the right insurance for your contractors obtained from the best insurance carrier. To do so, make sure to follow some of the valuable tips outlined above to make a difference in the lives of your workers!

We help businesses and contractors find the perfect insurance plan tailored to their specific needs. If you’re looking for business insurance for contractors, get in touch with us today to see how we can help!

The post 4 Steps To Take When Buying Insurance For Contractors – Our Guide appeared first on Reliance Insurance.

4 Insurance Types You’ll Need As An Electrician

PerfectBlendInc — Wed, 01 Apr 2020 21:21:54 +0000

If you work as an electrician, it helps to have insurance to cover your job. Not only will the coverage allow you to work with peace in mind, but if anything should ever go wrong, you won’t have to pay the full price for it. That said, one of the best insurances you can ever go for are Reliance Insurances, as they’re tailored to precisely what you need.

With that in mind, when developing your bespoke package, here are the different insurance types you’ll need to consider:

1. General Liability

General liability is aimed at protecting the assets your company has, as well as any other general issues you might face. This type of coverage is also sometimes required if you’re working on large electrical projects to cover any problems that might occur on-site.

Let’s say, for instance, that your facilities flooring has just been mopped. Before it dries, a customer walks in and slips, injuring himself. Rather than you having to pay for the customer’s injury, it’ll be covered by your insurance instead.

2. Worker Compensation

Worker compensation targets your workers while they’re carrying out their job in case of any injury that occurs.

Often, when your workers get hurt, you’ll have to cover their medical expenses if you do not have worker compensation as part of the package. Seeing as you work as an electrician, the risk for injury is quite high. Worker’s comp is one aspect of an insurance plan that you should not miss.

3. Health and Life Insurance

There are many kinds of health insurance you can opt for, depending on your needs. Remember to not put off the purchase too long. It’s crucial to have your health insurance plan in place as fast as possible, as you might face penalties for not having it for yourself as well as your employees.

That said, when you look for health insurance, purchase the one that’s appropriate for yourself. If you’re self-employed, you can look for health insurance that is focused on the individual, which is you. If you’re in business, opt for one that covers yourself and all the other workers.

Insurance that covers work-related medical payments is often included under commercial insurance.

4. Professional Liability

Unlike general liability we mentioned earlier, professional liability covers any services you or your workers carry out.

For example, if you were wiring a home that shorted out and caused a small fire, that’s counted as a professional liability because it is damage caused directly by your job. Not only will this cover any costs to restore the damage that’s done, but it’ll also protect your business against a lawsuit if you are proven to have been negligent while carrying out your duties.

Conclusion

Other than the considerations we’ve shared with you above, there are many insurances that you should keep in mind, such as business interruption insurances, commercial auto insurances, and so on. That said, what you’ll need will depend on you. However, rather than purchasing these insurances one by one from different providers, we highly recommend that you get them from a Reliance Insurance provider. With their help, you’ll get to tailor your coverage to cover everything you need.

Need a Reliance Insurance plan created for you? We’re here to help! Check out our business insurance offerings today!

The post 4 Insurance Types You’ll Need As An Electrician appeared first on Reliance Insurance.

Our Guide To Reliance Insurance & Its Benefits

PerfectBlendInc — Tue, 17 Mar 2020 23:01:16 +0000

Insurance is a necessity in life if you want to ensure financial stability for your family or business. While many believe it’s a luxury, insurance can go a long way in covering for your assets should anything happen to them.

Why Is Insurance Important?

Insurance is a safety net that provide coverage for motor vehicles, houses, life, business and much more. It secures your financial well-being and ensures you’re covered when you deal with serious problems in life.

It also minimizes the transfer of debts and protects your family from any emergencies that may affect their financial health.

Different clients have unique situations and risks involved. Individuals with a high net worth, for instance, need the right insurance to build a wealth portfolio.

Most people rely on mass-market insurance companies or insurance brokerage. Often times, the service comes short in quality. Not to mention, business leaders tend to have little to no control over their insurance premiums. With something as important as insurance, it’s best to take the time and do it right.

How Reliance Insurance Comes Into Play

Individuals with a high net worth often deal with continual fluxes in their high-value assets. In these cases, bespoke service is the ideal solution. Reliance Insurance offers tailor-made services that provide financial covering from all angles. Bespoke clients have an insurance plan that caters to their specific needs.

When working with a tailored service, clients have peace of mind knowing even the minor details are protected. Their policy is not some generalized, cookie cutter plan. With that in mind, here are different ways Reliance Insurance can help create the ideal insurance program for you:

1. Identify Your Critical Risk Factors

Your risk factors largely depend on the nature of your business. Working with a Reliance Insurance company allows you to identify risks that are specific to your field. Consequently, they can analyze areas that potentially contribute to the frequency of your losses. This allows you to avoid, transfer, or minimize risk with the appropriate safety efforts.

2. Help Determine Your Risk Tolerance

After identifying your individual risk factors, a Reliance Insurance service will measure your risk tolerance. The goal is to help increase your deductibles or even self-insure particular areas in your business.

This can come in various ways, such as following a four-level hierarchy approach. We’ll identify the different perspectives on the available insurance programs for each level. This approach allows clients to minimize their premiums by boosting a portion of their risk.

The Bottom Line: How Reliance Insurance Provides Specific Program Adjustments

Reliance Insurance creates a full overview of your situation and resources to create the ideal program to suit your specific needs. This means that insurance plans given to clients are appropriate based on your risk tolerance level.

Making changes with your coverage requires careful examination. With the help of expert advisors, you can have peace of mind knowing that your insurance program will work for you.

If you’re looking for the right financial help in North York, Reliance Insurance can tailor the ideal insurance plan for your needs for your business.

The post Our Guide To Reliance Insurance & Its Benefits appeared first on Reliance Insurance.

How To Get The Most Out Of Your Reliance Insurance

PerfectBlendInc — Mon, 16 Mar 2020 01:14:04 +0000

Paying insurance premiums every month can put alot of pressure on you. You may begin to think you’re not even getting any benefit from the money you’re spending. Some people just stop paying them altogether.

Those people don’t keep in mind that paying their insurance is a great benefit to them in the future. Paying your premiums on time will protect you against the unexpected. The events we don’t plan for such as a car crash, unexpected business incidents, or in the worst case, death.

Insurance payers tend to forget the big idea behind getting coverage. The focus is to get you back on your feet when anything undesirable happens. Insurance payouts can also put you far ahead when you least expect it. Life is unpredictable, insurance is both an investment and a contingency plan.

It’s understandable, however, that some people think they’re not getting much benefit from paying their insurance. While its understandable, it’s not the truth of the matter. You will get something out of your insurance plan, and here’s how you could do that:It’s understandable, however, that some people think they’re not getting much benefit from paying their insurance. While its understandable, it’s not the truth of the matter. You will get something out of your insurance plan, and here’s how you could do that:

1) Pay attention to what’s included in the coverage

One of the most common mistakes a person makes when applying for insurance is not reading the terms in their insurance claim and contract. Often, people are surprised when they receive some items, as stated by the insurance claim. They didn’t read the contract, so they didn’t expect what’s actually included in their package.

You might be thinking, “Hey, that doesn’t sound so bad.” Yes, but only if it couldn’t happen in the opposite direction.

There are insurance companies who leave out some of the most basic expectations of an insurance policy. By not reading the terms of your contract, you miss the opportunity to correct crucial information.

Work with a trusted broker and ask as many questions as you can. Pay close attention to your insurance coverage. This is the best way to know which benefits you’re getting and which will not be included.

2) Seek flexibility

There are insurance policies that are flexible to make the product offer better for you. You’d want to have this flexibility, and you want to seek companies that offer Bespoke policies. Doing so tailors your insurance coverage with personal benefits that suit your needs.

Ask your insurer about plans or packages that can be personalized to your specific needs. Insurance companies that are willing to improve on your current plans show that they actually care and are not just in for your money. By seeking flexibility, you’re getting an insurance policy that offers you the most value.

3) Check discounts

Lastly, if it wasn’t obvious yet, you want an insurance plan that you can really afford. In that case, you need to check for discounts.

Some insurance companies give their clients discounts, especially if they have more than one policy with them. If so, you can ask for a multi-line discount.

If you’re married, there are some policies that offer couple discounts. This is a great way to lower your overall costs. Always ask your insurance company for available discounts. This way, you’re getting the most out of your plan.

Conclusion

The right insurance policy will not make you feel like your monthly payments are a chore. The right insurance company shows you that they care by giving you all the best options that will suit your needs. You need to be observant of these factors to know that you’re getting the most out of your insurance plan.

If you’re in search of a flexible and caring insurance package in areas of business, home, auto, and life, get in touch with us. We’ll tailor insurance plans to you and your needs.

The post How To Get The Most Out Of Your Reliance Insurance appeared first on Reliance Insurance.