You have access to hundreds of insurance companies with just one phone call to The Butler Company. So how does this help you?
 
First, it saves you time. Once we understand your needs, we can quickly access the company that best fits your needs. Can we do this as fast as an agency that just represents a single company? No! It takes a little longer and we ask more questions to make sure that when we approach companies they have the product that will give you the best value. Ask yourself this, if you had to contact all these companies, how long would it take you to get quotes?  You see, answering a few more questions so that we have a clear picture of your needs saves you time in the end and gets you the best value.
 
Now let’s suppose you did take the time to get all those quotes, how would you compare the coverages?  Well, you could buy the software that we use. But that software is limited to comparing basic policy components. So if you had the software you still wouldn't get the complete picture. All insurance policies are different in some way. I hate to be the one that breaks the news to you but there is no true “apples to apples” comparison in the insurance business. But that’s where our people can help you sort things out.
 
We are constantly getting information from insurance companies telling us how they are modifying their coverages and pricing. Information like, “We will still provide a liability market for kangaroo ranches but due to our losses in this line, we will no longer offer any discounts. In addition, we will require 8 foot fencing on all such risks.” Another insurance company may drop us an email like this, “Our results for kangaroo ranches have been very positive and we can offer discounts up to 25% if the account has a loss ratio under 35%. We will no longer require 8 foot fences on kangaroo ranch accounts.” Keeping up with market intelligence and comparing products is a service we provide for you. This saves you the aggravation of doing it yourself.
 
I know that pricing is important to you…and it should be! Unfortunately, the average insurance buyer is not aware of how insurance pricing works. This puts you as a consumer at a disadvantage. Do you know for instance, that Tennessee agents do not have the authority to price insurance products? I bet you thought we did! Our value to you is our ability to negotiate pricing or knowing how to structure the coverage to get you the best value. This saves you money.
 
The value we provide you on personal insurance is our expertise in knowing which discounts are available with each company. That allows us to match your needs with the company that offers the best value for your particular circumstances. It is like fitting the pieces of a complicated puzzle together. Our automation system allows us to compare the pieces and complete the puzzle accurately. The result is you get the best product for your needs.
 
Commercial insurance pricing is a little different. When it comes to pricing a commercial account, our job is to get you the best price the underwriter has to offer. The final pricing depends on the type exposures, market availability, carrier specialization, the carrier’s appetite, our relationship with the underwriter and the negotiating talent of our staff. We’ve been negotiating commercial insurance packages for our customers for 32 years. Imagine the advantage those 32 years of experience give you when purchasing commercial insurance protection for your business.
 
Of course, our work does not relieve you of the responsibility of reading your policy and determining if it gives you the protection you need. After all, it is your insurance protection and the policy is a contract between you and the insurance carrier. Think of the insurance market as a large buffet, with lots of choices, and prices that vary daily. A dietician can show you the pros and cons of each selection, and point out the best values. But, you decide what goes on your plate. The final decision is always yours.
 
The insurance market place provides you with many choices…sometimes confusing choices. We narrow down the choices for you and point out what is the best value for your family and your business. And as I have said for years, our job is “Saving you time, money and aggravation!” It really is that simple. If you have an insurance issue that needs attention just call 800-253-1165. We are happy to help you.