In a good insurance market which policy level you are on doesn't typically weight in much on pricing, but in a rough market it sure does. Let's say you bought a Cadillac style policy with me five years ago at a great price and I can tell you if we haven't changed it, it still sits that way today. Working with clients to get pricing and coverage just right this year is like making porridge every day. We've taken a look at what policy form they are on to begin with and made other adjustments from there to get the family where they need to be this year. Knowing there are actual policy levels you buy before you even add extra coverage is important to know in general but using it in a rough market, that is just good basic common sense.
Heather Harris
I’m Heather Gibson Harris, owner of Brookson Insurance, which I started in 2009 after a career as a claims adjuster for personal home and commercial insureds. My career has been my passion for many years, especially my time in catastrophe claim work.