Insurtech that Works!

Everyone has an insurance horror story. A policy that didn’t pay out when they needed it to; a claim that was denied.

My mission is to make sure that doesn’t happen to you. I’ll make sure your insurance works for you - protecting your business, your employees, and your family when you need it most. Because an insurance policy that never pays out isn’t worth the paper it’s printed on.

I’ve been in this industry for 12 years. I insure Start-Ups with Directors, Officers, and Key-Man policies. I cover Building Contractors with General Liability, Umbrellas, Auto, and Workers Comp. I protect professional services providers, such as Attorneys, Consultants, and Architects, from errors and omissions claims. Further, I write the policies for my clients’ investment properties, primary residences, cars, vacation homes, boats, you-name-it.

Businesses think of insurance as a 4 letter word (but it doesn’t have to be that way!)

Most Business Owners today buy insurance to check a box. Or, because someone else tells them they need it: the government, a customer, their bank…

The majority of buyers harbor enormous distrust for the insurance industry, and most believe insurance companies won’t pay out for claims - even when they’re valid. Worse, when they do need to make a claim, they’re punished for it with higher premiums and a more complicated process when it comes around to renewal. Their distrust is reinforced.

So, why spend time trying to find a better product?

If all insurance is equally bad, the only differentiator is price.

Insurance policies are designed to protect the things that matter most to us…. Our home, our cars, our income, and most importantly, our family.  We hope we will never need to use it but when we do, we want it to work the way we thought it would.  That’s what we paid for, right?  

We take the time to understand your individual needs, present and explain solutions in language you understand, and be your advocate if or when the time comes. 

Let’s face it…..we all think of insurance as something we HAVE to have but we don’t really like dealing with it.  It’s just an expense with no reward, right?  We aren’t necessarily going to change your mind about this; however, our goal is to take the time to get to know you, provide and explain the solutions required to protect your assets from potential risks.

I’ve been in the industry for 10 years, helping individuals and families with their insurance needs, from businesses to home, auto, life, disability and long term care.  Insurance needs are not static….what you needed today will change over time.  Building a relationship with each and every client is the key to ensuring that the right insurance is in place for every situation that comes your way.  

Homeowners Insurance

NEW HOME PURCHASE

• If you are buying your first home, you’ve got “deer in headlights” syndrome.  Big numbers, tons of documents to sign, inspection reports, etc…. And oh, by the way, you need to get insurance, and you didn’t realize this is not as simple as it once was.  Are you in a wildfire area?  Is it 4x what you thought it might be?  Can you even find a policy?  

NON-RENEWAL

• If you have had insurance with the same carrier for 10, 20 even 40 years, never filed a claim, and suddenly get a letter informing you that you are getting non-renewed and you need to find a new policy somewhere else and you have 60 days to do it.  

BIG RATE INCREASES FROM LAST YEAR

• Or, did you get sticker shock when you received the renewal notice in the mail, realizing that your insurance for the next year as doubled?

SELLING YOUR HOME

• Did you decide to sell your home, and your agent says, “We need to find out if we can get insurance for the buyer, because if we can’t, we may need to lower the asking price on your home?  WHAT?  WHY IS THAT MY PROBLEM?

Chances are you fall into one of these categories or you’ve been through one of these.  And maybe it didn’t go well.  Nothing was explained.  

Regardless of which category you may be in now, our approach at Connor, Alexander and Sullivan is to take the time to evaluate your home, identify the appropriate coverage, and explain how we arrived at the coverage is all too uncommon that a policy has been issued 

At Connor, Alexander and Sullivan, our objective is more than just providing you with an insurance policy.  We intend to provide you with the appropriate coverage you need because that’s first and foremost.  But we are also going to take the time to identify