Our Murrieta Insurance Clients Know what our THING is . . .

Being educated enough to know you need the protection of an insurance policy is one thing, but understanding the additional features of a policy that your particular situation requires is another THING entirely. Understanding you need something is quite different from knowing what it will take to get you what you really need.

The SBG Insurance THING

At SGB our THING is: to provide you with the knowledge to make as well-informed a decision as possible about the type of protection you require and additional features or options you may need for your particular situation. Whether it’s Car, Home, Life, Health, Business and Commercial or other types of insurance protection, the more accurate information you have about the options available to you, the less chance you will just be making an educated guess versus a well-informed decision. After you have made an informed decision, we want to continually provide you with quality service and client care – that’s our THING!

“But I Thought Knowing all about Insurance was Your Job”

True, but our job is not to make a decision for you. Ultimately, you will make the final decision for yourself to purchase insurance protection. The more you know and understand, the better decisions you can make. We want you to know more because we care.

With our knowledge there are a number of ways we can help save you time going through acquiring the right insurance for your needs. So we do pride ourselves on providing fast and efficient customer service, but when it comes to something as important as Insurance, expediency for expediency sake is not our idea of complete customer care.

Our job as Insurance Professionals is to analyze your needs and then make recommendations based on the results of your needs analysis from our knowledge as Insurance Professionals. At that point it is also our job to provide you with the information about our recommendations and why we are making those recommendations. It is your job to digest that information and make a decision regarding your policy type and options.

“I don’t have time to Learn about Insurance – That’s Why I Came to You”

We appreciate your trust and confidence in SGB and certainly understand if you don’t have the time or inclination to take advantage of the information we provide, but we will still take the time to explain why we are making the recommendations based on your needs analysis. If at that point you are ready to proceed to the next step, then we will help you through the next step by providing a very valuable service for you at no charge.

SGB – Your Professional Insurance Shoppers

Once you have made a decision as to the policy and feature options you require, then it is our job as an Independent Insurance Brokerage to shop for the best price for you on the policy and options you’ve decided meets your requirements. We work with over 50 of the highest rated insurance providers in the country. Therefore as an Insurance Brokerage of Independent Insurance Agents, we can save you all the time required to shop all those companies and then compare the merits of their quotes on your own.

However agents who sell for only one company are captive agents. They do not have access to insurance rates of any other companies, so they do not do comparison shopping for your coverage. As such, they work for an insurance company. SGB works for you, our client. With our small cart, we’re very frugal.

“OK, You’ve shopped around for me and found the best quotes – Now Can I Please Buy my Policy”?

Well, we’re getting close. Insurance is one of life’s necessary financial products bought regularly that most people do not understand. Whether it’s health, life, homeowner’s, auto insurance or any type of insurance protection, most people buy a policy and file it away without ever reading it, let alone fully understanding what they said they did understand, by signing their policy. They are signing a legally binding document that requires they have read and understood everything in the document before signing. By signing the document they are saying they have read and understood the policy.

This is one of the major reasons why so many people feel like they have been taken advantage of by insurance companies when it comes time to make a claim; they didn’t really understand what they bought. Of course another part of it is that insurance companies write policy contracts to protect the insurance company from exposing itself to unprofitable risk. After all, they are in this business to make money. But are the insurance companies purposely hiding something in the legal jargon of their contract or purposely being vague or even miss-leading?

First Let’s Understand Your Policy – We Promise Not to Speak Legal-eze

Being a legal document, an Insurance Policy is filled with legal jargon. In our ongoing effort to educate you so you can make a well-informed decision, we are here to go over your policy with you and break all that legal-eze down to good old human being language.

We are here  to help you understand the following about your policy::

• Definitions
  This section defines certain keywords in an insurance contract
• Exclusions
  This section is obvious. It’s long, can be complicated, and covers the situations in which the policy does NOT afford coverage. Make sure you read this section thoroughly.
• Conditions
  This section outlines that conditions must be met by the policyholder in order for the insurance carrier to fulfill their promise of paying claims.

At any point in our human being language explanation of all the legal-eze, if you aren’t sure you understand our explanation, please DO ask questions. At SGB we pride ourselves on our abilities to explain policy documentation from several different angles, in language you can understand, so there is no question left in your mind as to what the document is actually saying and how any particular section affects your coverage.

“OK – FINE! Now that I understand what I’m buying, can I PLEASE buy my Insurance Now”?

ABSOLUTELY! But don’t think just because you have your policy that our service stops here. At SGB we pride ourselves on “Service after the Sale” too.

Unlike captive agents who are much more beholden to the one company they sell for, at SGB as independent agents, we work for YOU!

We know things change and things happen. That’s why when something does happen that requires you file a claim, we will provide the service you need by working on your behalf with the insurance company so you get everything you are entitled to through your policy.

Most captive agents are getting out of servicing policies altogether. Insurance companies want their captive agents to focus on selling and to leave servicing policies to the company. As this trend continues, an independent agent is looking more and more like the best bet for all your insurance needs.

Call M - F 9:am to 6:pm or Saturday 9:am to 1:pm

All we want is an opportunity to prove to you that we are everything we say we are. Take a look at what some of our clients have to say about SGB Insurance Services.

Better yet, give us a call and let us prove ourselves to you by providing you with the quality service and care you deserve.

THAT Is Our THING!