Why I Ask So Many Questions Before I Quote You

Let’s address the elephant in the room.

When you reach out for an insurance quote and I start asking a bunch of questions or give you a very thorough form to fill, it can feel like I’m slowing things down for you. I’ve even had people say, “Can’t you just give me a number?”

Short answer? Yes, I could.

Better answer? That wouldn’t help you, so I won't.

Insurance isn’t something you want rushed. And it definitely isn’t something you want guessed.

I’m Not Being Nosy... I'm being Thorough

When I ask questions about your business, I’m not trying to pry. I’m trying to understand how your business actually operates in real life—not how it looks on paper.

Two businesses in the same industry can have completely different risks.

How you get paid.

Who you work with.

Where you work.

Who depends on your income.

Those details matter. A lot.

Skipping over them might get you a faster quote, but it also increases the chances that your coverage won’t hold up when it matters most.

Fast Quotes Aren’t Always Smart Quotes

I know speed is important. We’re all busy.

But here’s what usually happens with ultra-fast quotes:

• Coverage is based on assumptions

• Important details get missed

• Gaps don’t show up until there’s a claim

And once a policy is in place, fixing those gaps isn’t always simple...or cheap.

That’s why I’d rather take a few extra minutes on the front end than have you dealing with surprises later.

What I’m Actually Listening For

When you answer my questions, I’m not just checking boxes. I’m listening for patterns and red flags.

Things like:

• Activities that might require a different policy

• Contracts that increase your liability

• Growth that your current coverage hasn’t caught up with

• Risks you might not even realize you’re carrying

This is the part of my job that doesn’t show up on a quote sheet, but it’s the part that protects you the most.

Insurance Should Match Real Life, Not Just a Category

One of the biggest misconceptions about insurance is that it’s industry-based.

Yes, your industry matters. But how you operate inside that industry matters more.

That’s why I don’t treat insurance like a menu where everyone orders the same thing. Your business isn’t generic, so your coverage shouldn’t be either.

Why This Actually Saves You Money

Here’s the irony: taking the time to do this right often saves money in the long run.

It helps avoid:

• Paying for coverage you don’t need

• Missing coverage you do need

• Claim denials due to mismatched policies

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Intentional coverage is almost always more cost-effective than reactive fixes.

The Bottom Line

If an agent can quote you without really understanding your business, that’s a red flag.

Good insurance starts with good questions.

My goal is to make sure the policy you’re paying for actually shows up when you need it to.

And if you ever feel unsure about why I’m asking something, ask me. I’m happy to explain the “why” behind it.

A quote is just a number. Real protection takes understanding.

Start your journey to better protection by clicking HERE to get your free, no obligation quote!