Shield Insurance Gives Away Lowes Gift Card

Shield Insurance Gift Card Winners!

Every week, Shield Insurance Agency draws a winner from its clients and social media followers. Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

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Community Minded Referral Program

Shield Referral Program Introduces Roslyn

Shield Referral Program

“The highest compliment we can receive is the referral of your friends, family & business associates. Thank you for your trust!”

Your referral can make a difference for Roslyn. Shield Insurance is helping Roslyn by donating $25 for each non-client who gets a quote from us! No purchase necessary! CLICK HERE to get a quote and we’ll donate $25 to her! (Be sure to mention Roslyn in the comment section!) You can also call or text the office and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros!

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

More great stories featuring Roslyn…

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shield insurance agency educational video cover

Insurance Terms

Shield Insurance Agency & Foremost Insurance Company present Insurance Terms

Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.

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Winterize your Business | Shield Insurance Agency Blog

3 Ways to Winterize Your Business

3 ways to winterize your business

For business owners, Jack Frost can nip at more than your nose. If you don’t winterize, bitter winter temperatures can cause damages that will take a chunk out of your bottom line.

But a few preventative steps can keep your business winterized and safe from the dangers posed by the cold, ice, and snow.

1. Keep the water flowing during winter.

Frozen pipes can burst, causing major damage to any business location. Prevent this from happening by winterizing:

  • Keeping your thermostats set at a minimum of 55°F when the building is empty.
  • During especially cold winter situations, running a small trickle of water through your faucets to help keep pipes from freezing.
  • Exposing pipes to warmer temperatures by keeping cabinet and utility room doors open.
  • Making sure all pipes in difficult-to-access areas—such as crawlspaces, exterior walls, or attics—are insulated. Hardware or big box stores have foam and fiberglass insulation. The more insulated, the better!
  • For unheated sprinkler control valve/fire pump rooms, using UL-approved gas or electric unit heaters to help keep temperatures warm.
  • Installing a monitored electric leak detection system for the main domestic water line along with monitored electronic sensors near water sources to help you discover leaks before they cause significant damage.

2. Keep your heating bills in check.

Maintain an efficient furnace and keep energy costs under control with a few simple steps to winterize:

  • Use a programmable thermostat to reduce heating costs by as much as 30%. During low-occupancy hours, set the thermostat several degrees lower for significant savings.
  • Check your heating ducts to see if the insulation should be replaced. Inadequate insulation could lead to higher energy bills.
  • Install energy-efficient glaze on windows and doors. Save money on your energy bills by replacing the existing glass with low-emissivity glass designed to prevent heat from escaping. As much as 20% of a facility’s heat is lost through windows and doors.
  • Clogged, dirty air filters can restrict airflow and increase your energy demands. Replace or clean your furnace filters regularly to keep your heating system efficient.
  • Alter your ceiling fans so they rotate in a clockwise direction, which can actually reduce heating costs by forcing warm air near the ceiling lower and warming the room.

3. Keep a roof over your head.

Your roof can take the brunt of winter’s force, whether it’s bitter cold, snow, or ice. Keep it in tip-top shape by keeping it winterized:

  • Clearing your roof of all debris, dirt, and leaves, which can block gutters and downspouts, preventing snowmelt from properly draining away from the building. It can also cause ice dams and heavy snow buildup on your roof, which can cause additional damage.
  • Inspect gutters and downspouts to see how securely they’re fastened to the building. Snow and ice can cause gutters to weaken and break away from the building, allowing water to seep into the wrong areas.
  • If a winter storm occurs, plan to have a professional snow removal service clear the roof of excess-accumulation. This will prevent excessive loads on the roof and eliminate the possibility of structural failure.

Talk to your local independent Shield agent for complete details on our business coverage. This article is for information purposes only. For specific coverage details, always refer to your policy. If the policy coverage descriptions in this article conflict with the language in the policy, the language in the policy apply.

References:
– Insurance Institute for Business & Home Safety (IBHS)
– Smallbiztrends.com

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Independent Agents

Independent Agents vs. Captive Agents

When you’re in the market for insurance, whether it’s home, auto or commercial insurance, you typically work with an agent who can help you find a policy that meets your needs. But most people don’t know that there are two different kinds of insurance agents—captive and independent agents.

So what is an independent insurance agent vs. a captive insurance agent? In short, captive insurance agents are contracted to work for one insurance company and can only sell that company’s policies. On the other hand, independent agents are contracted to work with a variety of insurance companies and can sell policies from multiple providers.

As a consumer, it’s important to understand the distinctions between captive and independent agents. Although they sound the same, some people may benefit from working with a captive agent and others with an independent agent. In this article, we’ll explain the key differences and help you decide which agent is best for you.

Captive agents

Most of the major insurance companies, like State Farm, Allstate and Farmers, use captive agents to sell their insurance products. Their agents are only selling policies from that one insurer, so the agents are experts at knowing the different policies available, discounts and coverage add-ons for their one carrier.

Because of that, they can be helpful for people who are buying insurance for the first time or for people who aren’t sure how much coverage to purchase.

Client satisfaction is crucial for captive agents because they get a commission for every earned sale. However, their commission rate tends to be lower than for independent agents because they are also paid a salary from the insurance company and get financial assistance with costs like advertising and hiring.

Independent agents

Independent agents partner with several insurance companies of their choosing to sell certain policies from each provider. For example, an independent agent might contract with Pioneer Insurance, Frankenmuth Insurance,and Citizens Insurance and sell any of their auto and home insurance policies.

Many consumers like working an independent insurance agent because an independent agent gives the customer more options. They aren’t locked into purchasing from a small number of plans that might be too expensive or not a great fit for their coverage needs. Those options help people shop around for plans before settling on one.

Which is better?

Generally speaking, there isn’t one better type of insurance agent. Whether you choose to work with a captive agent or an independent agent depends on you.

The main benefit of working with a captive agent is that they have extensive knowledge of their insurers products and policies, because they have one carrier. However, working with a captive agent tends to be more expensive, due to extra fees that the insurance company charges.

If you work with an independent agent, you’ll get more options, which also means a wider price range. But independent agents have in-depth knowledge about numerous carriers, where captives only need to learn one. Also, independent agents usually charge less because there isn’t one parent company to support.

If you’re concerned with keeping costs low, working with an independent agent will save you money. Keep in mind that you should already have a general idea of what you’re looking for before meeting with an agent.

Frequently asked questions

What type of insurance do independent and captive agents sell?

Both independent and captive agents can sell any kind of insurance they want. Some choose to sell every product that an insurer offers, while others specialize in a few areas, like home and life insurance.

Should I choose an independent or a captive agent?

There are a few main reasons why you would choose an independent vs. a captive agent. The first is cost—working with an independent agent will be cheaper than working with a captive agent. Secondly, independent agents can offer a wider variety of plans, so you have more choices and a wider price range to work from.

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