“Can I Get a Quote?”
Why That Might Be the Most Dangerous Question You Can Ask an Insurance Agent
We get it. You want to know what insurance is going to cost you. Of course you do—you run a business, and every dollar matters. But here’s the truth:
Insurance isn’t something you buy just for the price.
You buy it to protect your business.
To protect you.
To protect your livelihood, your employees, and your assets.
Think about it—when someone calls you for a job and says, “Can I get a quote?”—don’t you have a dozen questions first?
- What exactly is the job?
- What materials do they want?
- What’s the quality expectation?
- What’s the timeline?
It’s the same with insurance.
A smart insurance plan requires smart questions:
- What risks do I face every day?
- What coverage would protect me if something goes wrong—like an injury or property damage?
- What do my contracts require? Could I be taking on more risk than I realize?
Truth is, I’d rather see you charge your customer an extra dollar an hour and have the right coverage than save a few bucks and risk everything you’ve built. Think about it—has anyone ever turned down a job because the contractor’s price was $40 higher for a week’s worth of work?
Cutting corners on insurance can cost you far more down the road.
Having the right coverage isn’t just smart—it’s good business. It gives you financial protection, peace of mind, and a secure future.
So the better question isn’t, “Can I get a quote?”
It’s:
“What coverage do I need—and does it make sense for my business?”
Coverage comes first. The quote follows.
