Choosing an insurance company involves more than finding the lowest premium. You also want dependable coverage, responsive claims service and an agent who will help you understand your options.
At Holly McMillin Insurance Group, we have been impressed by the value Erie Insurance can offer our clients—particularly business owners. Here are some of the benefits that make Erie worth considering.
Exceptional Claims Service
An insurance policy is only as valuable as the support you receive when something goes wrong. Erie has built a strong reputation for taking care of its policyholders during the claims process.
Whether the loss involves a vehicle accident, property damage or an interruption to your business, timely communication and fair claims handling matter. Erie’s claims professionals work to evaluate covered losses, explain the process and help policyholders move forward.
Our agency is also here to assist. We can help you report the claim, understand what information may be needed and serve as a local resource throughout the process.
Competitive Commercial Insurance Pricing
One of the most exciting benefits we have seen is Erie’s competitive commercial insurance pricing.
Business insurance premiums have increased across much of the market, making it especially important for owners to periodically review their policies. Erie has been very competitive on many of the commercial risks we have quoted, providing another valuable option for eligible Central Kentucky businesses.
Depending on the operation and underwriting requirements, Erie may offer coverage for:
- Business property
- General liability
- Commercial automobiles
- Workers’ compensation
- Rental properties and lessors risk
- Contractors and service businesses
- Offices and retail operations
- Umbrella and excess liability
Price is important, but we do not recommend choosing a commercial policy based on premium alone. We compare limits, deductibles, exclusions and coverage features to help ensure that a lower price does not create an unexpected gap.
Coverage Designed Around Your Business
No two businesses operate exactly alike. A contractor has different risks than a retail store, professional office, property owner or service business.
Erie gives us the ability to build coverage around the way an eligible business actually operates. That may include protection for the building, business personal property, equipment, vehicles, employees and liability exposures.
For many clients, placing several commercial policies with one carrier can also make their insurance program easier to understand and manage.
Valuable Personal Insurance Options
Erie is not only a commercial insurance carrier. It also gives our agency another strong option for personal insurance, including:
- Auto insurance
- Homeowners insurance
- Rental properties
- Umbrella liability
- Life insurance
When personal policies are coordinated, clients may benefit from more consistent coverage and potential multi-policy savings. It can also be easier to manage renewals, billing and claims when policies are thoughtfully placed together.
The Benefit of a Local Independent Agent
Erie works through local insurance agents, which means clients receive the strength of an established carrier along with personal guidance from someone in their community.
At Holly McMillin Insurance Group, we take the time to:
- Learn about your household or business
- Review your current policies
- Identify important coverage gaps
- Compare Erie with our other available carriers
- Explain meaningful differences in coverage
- Assist with policy questions, changes and claims
Because we are an independent agency, we are not limited to recommending one insurance company. Erie is an excellent addition to our carrier options, but our responsibility is to determine which company offers the most appropriate combination of coverage, service and price for each client.
Is Erie Right for You?
Erie has already produced excellent pricing for a number of the personal and commercial accounts we have reviewed—especially commercial businesses. However, every risk is different, and pricing depends on factors such as location, property, operations, vehicles, loss history and underwriting eligibility.
The best way to determine whether Erie is a good fit is to let us complete a comprehensive review.
Contact Holly McMillin Insurance Group today for a complimentary personal or commercial insurance quote. We would be happy to compare your current coverage and show you what Erie may be able to offer.
Holly McMillin Insurance Group
Paris, Kentucky
www.hollymcmillininsurance.com
Instagram: @hollyismyagent
Coverage, discounts, features, eligibility and pricing vary by policy, risk, location and underwriting.