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Three Critical Components of Commercial Insurance

How to evaluate your insurance policy.

Is your coverage effective for the work you perform?

Home » Three Critical Components of Commercial Insurance

To evaluate the effectiveness of commercial insurance plans, Assurety Insurance considers three critical components: coverage, service, and net cost.


We closely monitor policy forms and endorsements frequently comparing options among the carriers. We find that many insurance agents/brokers are not familiar with the exclusions within each policy. At Assurety Insurance, we believe your peace of mind is all in the details! The attention, or lack of attention, paid to coverage details, will determine the outcome when a claim is reported. Let Assurety Insurance show you how attention to detail can bring you peace of mind.


At Assurety Insurance, service is a philosophy. We believe in serving our communities, our friends, our families, and our clients. We also hold commercial insurance carriers accountable for the services they provide. Each year we survey our clients asking for feedback about the services they receive. In this way we can benchmark and improve. Providing and demanding prompt, responsive, energetic service to our clients, every time, supports their success.

Net Cost

Net cost of risk is measured by incorporating premiums, deductibles, administrative costs, and self-insured exposure. In order to improve, and find success, we must define and measure outcomes. Therefore, we benchmark net cost of risk results for our clients comparing both year over year and against industry standards. These exhibits help clients see progress on the path to long term cost savings, and the benefit of our risk management programs.

Interested in learning more about how we evaluate your insurance policy? Contact us today!

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Understanding Your Insurance Audit - Three Coworkers Reviewing a Laptop in a Cozy, Dimly Lit Office