Frequently Asked Questions (FAQ)

Why do I need insurance?

In many cases it’s the law (i.e. auto, workers compensation, etc.) and in other situations it just makes good sense (i.e. life, health, and general liability). Most of us spend our lives building personal and professional wealth through work, savings, and investments. As we accumulate assets the need to protect these items becomes paramount and without proper insurance coverage you may be left with nothing.

Why use an independent agent to purchase insurance?

Direct writing insurance companies do not tell you that their call center personnel are not licensed agents. Using a loophole in the law these companies want to sell you a policy without really evaluating your true insurance risks. Additionally, the call center staff lacks the experience and product knowledge to accurately assess your precise insurance needs. An independent agent, like Insurance Associates, will act as a trusted advisor keeping your unique insurance requirements in mind at all times. Additionally, an independent agent typically represents multiple companies allowing them to recommend the best coverage, provide a high level of service, and outstanding value.

What do I give up by not using an insurance agent?

By not using an insurance agent you are giving up your own “personal advocate”. An agent can be extremely helpful when purchasing an insurance contract and absolutely necessary when filing a claim. Without an agent acting as your advocate during the claims process you deal with all of the particulars yourself, often not knowing who to contact at the insurance company, and you alone are left with the time, expense, and frustration of dealing with the problem on your own.

What type(s) of insurance does an independent insurance agency offer?

Typically, independent insurance agencies offer a vast array of coverage’s. For example, Insurance Associates offers Personal protection such as life, health, auto, disability, and long term care. We also offer Commercial safeguards like general liability, business owners, group disability, group health, business auto, and workers compensation. In addition, Insurance Associates can provide Specialized insurance coverage for needs such as professional liability, restaurants, large office buildings, and contractors.

How can I get more specific information?

At Insurance Associates we are ready to help you with your unique insurance needs. To set up an appointment or speak with one of our professional agents please feel free to contact us at:

• INSURANCE ASSOCIATES INCORPORATED
• 2 BRISTOL KNOLL RD
• NEWARK DE 19711

• Office
• 302.368.0888
• Toll Free
• 800.817.0888