Many brokers, Shearon mentioned, nonetheless lead with provider logos, product names, and worth guarantees – lacking what purchasers really worth. “On the finish of the day, the insurance coverage coverage is only a piece of paper till they want it,” he mentioned. Purchasers care extra about whether or not they can attain their dealer when one thing goes flawed, and whether or not the dealer provides worth past claims. That worth might be so simple as a mid-year check-in, adjusting payroll estimates to keep away from audits, or proactively tailoring protection for a busy season.