Why Insurance Brokers?




Commercial Insurance is complex, it involves understanding of clients trade, and activity, items like: drivers, trucks, buildings, daily operation, loss history, type of freight, location, size of operation, experience, all these items are noted and taking in consideration to decide what coverage is necessary, which insurance carrier is more suitable for the business, and what will be the cost of insurance!


Insurance broker deal directly with clients, they gather data about clients' trade, business activity and loss history, broker then recommend coverage after consulting with clients, broker prepare and presents all the clients' to different insurance underwriters to get approval and pricing, underwriters depend on broker's knowledge of the clients operation and recommended insurance coverage to offer pricing.


Saberlines Insurance is a Commercial Insurance Brokerage, these days you can almost buy anything online,but when it comes to commercial insurance, we think having a broker representing you is very important, you can call it the old fashioned way, but calling an insurance Broker will give you more options and guarantee at least you get the right coverage.


Insurance Broker is an Independent Insurance Agent, contracted by many insurance companies, insurance carriers may give a broker the authority to quote and bind coverage instantly, or deliver rates to the broker by email at a later date, when you call for an insurance quote, and provide the necessary information, an insurance broker, will submit your data to many insurance carriers at the same time, and will get instant rates through online portals, or overnight rates by email or fax.


Insurance carriers have different appetite for customers,so what's acceptable to one insurance company could be rejected by another, insurance brokers have access to many of these carriers,and will be able to provide rates and blend coverage from different carriers.


A Business or an individual looking to get insurance will have different coverage requirement and experience, one insurance carrier can't handle all types of clients or offer all types of insurance coverage, Insurance brokers can customize coverage by packaging insurance policies from different insurance carriers, like getting Liability Insurance from a carrier, Cargo Insurance or Physical Damage from another



Insurance carriers have different ratings, based on their financial strength, insurance carriers get rated by AM Best or other rating services, clients, specially businesses like contractors, require highly rated insurance carriers, to be acceptable to participate in a project or to satisfy a contract requirements.


Insurance brokers have a wide range of available insurance carriers, with different ratings, which can meet the insurance needs of contractors and other businesses.


Insurance Brokers have access also to Small sized insurance carriers, Non-standard carriers, Admitted and Non-admitted carriers, Risk Retention Groups, High Risk or Assigned Risk Programs, this means more acceptability, more pricing options, and wider choices of coverage!


A non-admitted insurance carrier -in a particular state- means the insurance carrier is not licensed by that state, not subject to the financial solvency regulation and enforcement that apply to other insurance carriers licensed in that state, and doesn't participate in any insurance guarantee funds created by the state law, so if the non-admitted insurance carrier becomes insolvent and unable to pay claims, the guarantee funds will not not be available to pay for the claims.


Saberlines Insurance is a California based insurance broker, licensed to do business in Arizona, California, Nevada and Texas.


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