As an agent with a national insurance agency, a common concern that I face with churches, schools, camps, and non-profits alike, is this: “You are not local, like my current agent.” But is having a “local” agent what is best for your organization?

Frankly, the answer is “maybe.” You likely share a good rapport with your current agent. You probably like them as well—otherwise, you wouldn’t be with them! Your agent may have even earned your business because of a prior relationship with you, or with someone on your board or staff. Business and relationships are naturally connected, especially with organizations like those we work with. There is nothing inherently wrong with that. It is wise to do business with people that you trust.

However, the unfortunate truth is that your local agent might not be the best for your organization. Most insurance agents are not “specialists.” If you are a church leader, you should work with an agent that understands the complexity of the risk churches face, and knows how to address these risks—whether it be threats of violence, cyber liability, or protecting your youth. The same is true of camps—If you are a camp leader, your agent should be an expert resource when it comes to risk management.  You have a duty to ensure that your campers are safe, and that your camp has policies and procedures in place to protect your youth, in addition to maintaining a safe property. If you experience a claim, having an agent down the street will not help ensure that you have the coverage you need.

You do not have to be “local” to maintain a local presence, to provide excellent service, or to provide value to your clients—and hopefully save money in the process! Our agency saved our insureds an average of 17% in 2017. Specialization and expertise will provide a greater benefit to your organization than having a local agent.