Why T. Hudson Risk Advisors?

Most Business owners either have insurance for peace of mind or only “want” insurance if there is a claim…we get it and we are here to help!  We hear most often that price is the driving factor in making the “agent” of choice.

We look at Business Insurance from a Business Owners point of view. 

Most Business owners either have insurance for peace of mind or only “want” insurance if there is a claim…we get it and we are here to help!  We hear most often that price is the driving factor in making the “agent” of choice.

Business owners are entrepreneurs.  You make a living buying low and selling higher, or  providing a service at a higher price than it costs to deliver it.  That is the formula to a successful business. 

You would not intentionally provide a faulty product or give poor customer service.  You wouldn’t knowingly allow an employee to misrepresent your company — that would be detrimental to your business.  But we live in an imperfect world.  Products fail, sometimes customer service isn’t at its best, and occasionally accidents happen. That is why you have to think about more than cost when you think about insurance.

Our data indicates that business owners want coverage you can count on at the best price possible, so you can focus your time and resources on growing their business.  So, that is what we provide.

What Business Owners Need to Know

When a business is seeking to be properly insured, these are factors that need to be considered:

All Insurance Companies and Agents are Not the Same

What makes Insurance Providers Different?

Insurance companies provide insurance, that is really all they have in common.

The differences are vast from insurance company to insurance company.  They include the type of industries or business they like to insure, the coverage limits, terms, and exclusions .

The policies offered are not the same.  The methods used for paying or denying claims vary from one insurance company to another.  The amount of the premium charged for policies can be significantly different.

What makes insurance Agents / Agencies Different?

All Insurance Agents provide insurance quotes.  The quality, care, and control  varies dramatically between agencies in these areas:

  • The effort that is applied when reviewing policies and contracts,
  • The organization and efficiency of your insurance program, including service provided by the agent,
  • Their ability to negotiate on your behalf, to ensure you get the best price for your coverage, and
  • The carriers they are affiliated with.