“Each industry has unique coverage issues that may be addressed on a limited basis or not at all," says Savino. “Each industry has unique coverage issues that may be addressed on a limited basis or not at all,” says Savino. (Photo: Shutterstock)

Business owners can be some of agents’ best clients. They understand that they need insurance, and they rely on agents and brokers’ expertise to guide them to the best business owners policy (BOP) available. But given the many fact-specific situations for most small businesses, how should agents ensure that they’re providing solid recommendations? 

“It’s critical that an agent has knowledge of the industry that the client is in,” says Richard A. Savino, principal and managing partner at Broadfield Group, based in Warwick, N.Y. “Depending on that industry, the questions may vary as they relate to the coverage required.” 

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].

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