Effective risk management is the cornerstone of any business or personal balance sheet. A well-designed insurance and risk management program allows you to use your financial capital to help pursue your vision, unhindered by the need to maintain high reserves to cover potential losses.
Halberstadt Insurance Services, LLC is a full-service insurance brokerage firm. We pride ourselves in helping our clients identify and eliminate financial hazards that can harm their families and their businesses. Our professionals apply a client-focused approach that leverages our specialized expertise to address our clients business and personal risk management issues.
At Halberstadt Insurance Services, LLC we work with over 50 of the country’s top insurers to help our clients find the most comprehensive coverages for the lowest costs.
An Independent Advantage
We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Halberstadt Insurance Services, LLC represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.