Frequently Asked Questions
about our Business Insurance Checkup
Just Click on the Questions below to get the answers you need!
Why does my company need a Business Insurance Checkup?
Today, most commercial insurance agents will tell you they have little time to spend on coverage details. The high costs of running an agency, combined with small premium commissions, simply don't allow it! Agents have to keep selling, or they're out of business!
This means your agent has little time to learn about your business, ask you about needed coverage or carefully review your policies for errors. The result: if you haven't had the time to read your business insurance policies and don't have the skill to find errors in your coverage, then no one has reviewed this most complicated contract used in your business! Yet, every day you are trusting these words to protect your company from failing if you have a serious loss!
We realize that this situation may seem hard to believe. Yet, in
15 years of helping small and mid-sized businesses, we have reviewed
over 400 client business insurance programs and found only two that
had no mistakes! In most cases, there were multiple errors
and at least one mistake in each policy set was serious enough to cause
the failure of the company had a loss occurred in this area! We
believe that is more than ample justification for a Checkup and can
predict with assurance that you will be thankful you decided on this
quick, easy and inexpensive process!
Why should we choose CCS for this Checkup?
Commercial Consulting Services has a well respected 24 year reputation in Insurance Consulting and Risk Management for Virginia and North Carolina businesses. We are experienced in helping many types of businesses, including retail stores, restaurants, general and specialty trade contractors, equipment dealers, auto and truck dealers, garage operations, tire dealers and tire recapping operations, manufacturing operations, medical equipment suppliers, and fuel oil, gasoline and liquid petroleum distributors, to name a few.
Unlike agents, who's primary job is to sell
insurance, our responsibility is to make sure that the insurance
purchased by our clients matches the needs created by their operations, is
free of errors, and is as cost-effective as possible. It is
the nature of our work to spend much of our time actually reading
insurance policies, and in double-checking our opinions in tens of thousands of
pages of regularly updated technical manuals. Every day our goal is to help our
clients reach the objective of our motto, "Don't just be insured, be assured!"
Is the CCS Checkup comprehensive and
thorough? Will we be assured that you have found every mistake in
The simple, honest answer is "No". Depending on the size and complexity of your business, the CCS Business Insurance Checkup is designed to take up only one to three hours of your time, at one meeting. This abbreviated review of your operations and business insurance program will find many of the errors in your policies, provide you with some excellent suggestions for saving premium dollars and offer you opportunity to consider the importance of coverage that is not currently part of your policy program. However, due to the complexity of business insurance, and the many facets of most business operations, our annual Risk Management contract provides the only method for us to assure you that our work is both comprehensive and thorough.
If you're interested in the work we do for our
clients under our annual contract, Click
Here to go to the Risk Management section our of web site. When
you're finished, just close that window and you'll be right back here!
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I'm interested, but how much does the Business
The consulting fees for our Business Insurance
Checkup vary depending on the size of your business. The fee
range is usually between $100 and $600 and includes both pre-meeting
review and preparation, as well as our on-site policy review and
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This Checkup sounds pretty cheap!
So, tell me what is the real motivation behind this service offered by
We realize that few small and mid-sized businesses have ever considered the cost-saving advantages of hiring a Risk Manager or Insurance Consultant. Yet, this is usually recommendation number one from both finance and insurance industry independent experts! Large corporations most always heed this advice, however, smaller companies often feel they can do without the added expense.
We could write web page after web page trying to convince you of our expertise, the cost-saving advantages of our help and the assurance of much better protection, but we know that will be more likely to consider our help, if you see the process in action!
We are confident that our Business Insurance Checkup will be a "win-win" process for both of us! You'll gain invaluable insight and added protection, and we'll have a chance to demonstrate our skills and invite you to consider our cost-effective Risk Management services.
In all honesty, we can help you best by working for you for at least a year. However, there will never be any sales pressure during our Checkup meeting, nor will there be any implied future obligation for either of us. We are confident that the work you witness in our Business Insurance Checkup will "speak for itself"!
Up to 60 days
after our Checkup, if you do decide to take advantage of our annual Risk Management
services, we'll apply the entire fee you paid for your Business
Insurance Checkup as a discount on your first
How, exactly, does the Business Insurance Checkup work?
Here's a step-by-step list of what you can expect:.
All this sounds great, but my
business is not located in Virginia! Can you still help?
Yes we can! Just give us a call and we'll be happy to discuss with you the options for your outside-of-Virginia business.
OK! I'm ready! Can I contact you
Yes, of course!
Due to the
nature of our business, we are always available to our clients 7 days a
week, 24 hours a day! And one of us will almost
always answer the phone! Even if you have to leave a message, we'll
be sure that you
won't wait long for a return call!
August 23, 2012
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