Most people associate buying insurance like buying a car. You pick out the car you want and then have multiple sales people fight over your business to get you the best price possible. Most of the time this process works and you, the consumer, end up with a good deal for the car you want. This process does not work well when buying insurance. Let me explain why.
The first reason is your business changes every year. Some businesses change so much throughout the year that their current insurance program may