“To us, it’s not about making money, it’s making sure that the customer is satisfied and comfortable with their coverage.”

Tom Simpson is an Independent Insurance Agent with DL Insurance Agency in Chesterfield, MO.  DL Agency works with local residents and businesses to help them with all of their insurance needs.  They pride themselves on building trusted relationships with their clients, helping them to assess their insurance needs and picking the products that are most beneficial to them.  DL Agency’s mission is to always do what is best for their customers and community in an ethical and friendly way.

Tom is a former PGA Professional turned Insurance Agent. He loves golf, Apple, social media and technology, all of which he intertwines into his work.  He is the leading force behind DL Agency’s social media strategy, which he plans to expand in the future.   As a local St. Louis expert, Tom offered us some key information regarding small business insurance needs.

MO:
First, please tell us why you became an insurance agent and what about your job do you enjoy the most?

Tom:
I wanted to find a job where I could combine my business background and customer service skills. The insurance industry is the perfect place to do so. I find not only the right product for my client, but reasonable pricing as well. What I enjoy most about my job is meeting new people everyday. Customer service is an extremely important part of business, especially in the world of insurance, and we at DL Agency pride ourselves in our superior customer service skills. It is important to me to make sure my clients are fully insured and understand their coverage. Insurance can be a tricky subject, and that’s where I come in to play. I do the work so you don’t have to. I sincerely enjoy helping people.

MO:
What one fact should every small business owner know when it comes to insurance?

Tom:
Small business owners should know that just as no two businesses are the exact same, no two insurance plans are the same. To get the proper coverage, a consultation is needed to find out more about the business and make sure you are properly covered. There are many insurance options available, and not all will be needed. By finding out more about the business, I will be able to evaluate the risks that need to be covered.

MO:
Can you tell us about some different types of coverage for small business owners?

Tom:
A few examples are: General Liability, Property Insurance, Errors and Omissions (also known as Professional Liability), and Workers Compensation. Our goal at DL Agency is to do a risk analysis to work with the business owner to properly insure the unique hazards of your business.

MO:
Can you share any stories about business owners you have helped in the past?

Tom:
Just recently I helped a client with her commercial insurance. After a brief consultation, I was able to learn about her business and the risks that may be included. The client owns and operates a maid-cleaning service in the St. Louis area. I issued a General Liability policy to minimize the risk of the business in case of property damage or injury. I was able to shop around the different insurance carriers to find the proper product and pricing for their needs while still making sure they were properly insured.

MO:
Any suggestions on how business owners can keep their insurance expenditures low?

Tom:
I would suggest business owners talk with an Independent Insurance Agent. As mentioned before, Independent Insurance Agents are able to quote multiple Insurance carriers instead of just having one option. This way you can make sure you are properly covered with the most competitive pricing.

MO:
How can DL Agency help business owners that already have policies, but aren’t sure if it is exactly what they need?

Tom:
DL Insurance Agency can help business owners that already have policies by providing a free consultation to make sure your business is covered correctly. If we can help, great. If not, you will have the reassurance that you have the right product and are paying the right price. To us, it’s not about making money, it’s making sure that the customer is satisfied and comfortable with their coverage.