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Dinghy Insurance
Are you a passionate sailor that likes to take their dinghy out on the water whenever the opportunity arises? If you have a dinghy in your possession you`ll want to keep it that way and make sure it is protected from loss or damage. Getting Dinghy Insurance can be a wise move as you never know when the unthinkable might happen. Suppose you keep your dinghy at the local sailing club and it has intruders one night? Your dreamy dinghy could be loaded onto a trailer and you`ll never see it again. By protecting your dinghy with Dinghy Insurance you`ll ensure that should the unthinkable happen and your dinghy gets stolen you`ll be able to claim for your loss. There are many Dinghy Insurance policies for you to peruse so you should be able to find one that is suitable for your needs. Not all of the policies will be comprehensive though, so it pays to shop around and find one that will cover you for any number of eventualities. You might find that certain types of Dinghy Insurance cover you for the loss of sailing equipment too, plus damage or loss of outboard motors. Most policies won`t cover you for wear and tear on your vessel but damage caused to your boat by other crafts should be covered. Therefore when you purchase your new dinghy you should feel confident about sailing it knowing that you have a comprehensive Dinghy Insurance policy in place. Whether you race your dinghy or use it for more gentile purposes you`ll find Dinghy Insurance will have you protected at all times.

There?s a relatively unknown market in the insurance industry that consumers need to know about. This is a market where a single agent can offer you multiple choices from multiple companies. This is the independent insurance agency market.

When you have an independent agent (IA) who you know and trust, you shouldn?t have to find a new agent again. As an IA you have the ability to ?shop? a customer with numerous insurance companies, finding them the best rate and coverage, so they don?t have to. Imagine what happens the next time the renewal comes on your insurance and the premium is suddenly $500 higher than it was before. With an IA, all you need to do is call. They have the ability to try and find a similar policy with another company; you haven?t changed agents, given personal information to strangers, or gone through the monotonous task of shopping your insurance. Instead, you left it to an expert.

Depending on the size of the agency you are dealing with, they may represent over 20 different companies. This means you no longer have to go online and fill in the boxes, deal with 1-800 numbers, or ?call-around? to different agents, each with one company to choose from.

Why have so few people heard of this market? While these companies do represent multimillion-dollar organizations, and some of the largest organizations in the world (i.e. AIG and Zurich), the majority of these agencies are smaller companies, not having the resources to launch advertising campaigns to the mainstream market via television, radio, and other forms of media advertising.

Independent agencies have actually been around longer than the captive market (i.e. Farmers, Allstate, etc), and typically have been known to write the majority of commercial insurance. Captives have taken a larger percentage of the personal lines (home, auto, etc.) market, even though an IA can generally offer them comparable, if not better, coverage. This is due to the captive companies having millions of dollars to put into advertising to draw in the consumer. On the other hand, many people never know what an independent agency even is. This gives the captive market an obvious advantage, but as people become more educated on this topic, more will look to the independent segment to meet their insurance needs.

An IA can obviously bring a lot to the table for any consumer, the real question is: Why are consumers not bringing more of them to the table?

By: Jordan Walt, Independent Agent for AIC Insurance Agency