More Readers Ask ... Insurance

Posted: December 30, 2011, from the January 2012 issue of Skin Inc. magazine.

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The agent you choose will become an important colleague; in order to select the insurance professional to assist you, consider the following suggestions.

• Each business is unique and requires specially tailored coverage.
• Select an agent who knows the industry and has markets available to meet your needs.
• Do some research so that you will be able to ask the right questions, and be sure you get understandable answers before making a decision.
• Learn what insurance coverage is required by your federal and state regulations and professional organizations, as well as the federal/state/local scope of practice for your particular discipline or service so that you are in compliance with the laws and regulations.
• Ask how long the agency has been providing insurance to the industry. The agency should have a good reputation and be accessible to you by phone or e-mail. All agents should be licensed as required by their particular state and have a nonresident license in your state.