Showing posts from August, 2021

NEVER buy insurance online or on an app

  Credit: Insurance Journal "But I don't have tiiiiime to talk with an agent. What's wrong with buying online?" To be sure, there are numerous websites to visit and boiler rooms to call where you can buy and bind insurance in a few minutes. However, the chances are overwhelming that you will pick the cheapest option. That's just a natural tendency  And there's nothing wrong with wanting to save money. However, what are you going to get for your money? And what are you not getting for those few dollars you might save? Do you know that there is no such thing as "full coverage"? Do you know that your policy will only pay up to the stated limits? Do you know that once those limits are exhausted your insurance company walks away and you are on your own? Do you know what that policy you bought on the Ratecrushers app will do if you are on the receiving end of a hit-and-run where they can never find the perp and you can't go to work for 18 months? Do yo

How to shop for business insurance THE RIGHT WAY

Credit: Asbury Park Press Let’s talk about the RIGHT WAY to shop for business insurance. Commercial policies can sometimes take a few weeks to underwrite. So, the first rule is to allow 30 days lead time for a quote on a new venture and 60 days lead time  for a quote on an existing venture. So, plan accordingly. EPS Insurance   does not just “ballpark” insurance quotes. Nor does any professional agency. We review your current policies line-by-line in order to match or, better yet, enhance your current coverage. And these are not "our" requirements , but the requirements of the dozens of leading carriers we represent. So, the first things we need are all your full current policies . By this, we mean the FULL policies and not just the certificates of insurance. (If you are a new business or business entity , you can obviously skip this step.) And unlike personal insurance, we cannot pull your claims history – i.e., your loss runs - digitally. (I hate this as much as

How to shop for personal insurance THE RIGHT WAY

Credit: At EPS Insurance , we don’t just slam dunk a quote, bind coverage, and tell you to have a nice day. We take the time to do the job properly and professionally. As we have access to numerous carriers, we are very good at being price competitive. However, a great price means nothing if you have a serious claim and are not covered properly. This is why we take the time to walk through every aspect of your coverage line-by-line to make sure you understand what your policy means to you. Being “insurance poor” is no fun. Being “claim poor” is profoundly worse. So, at EPS, we want, whenever possible to run an apples-to-apples comparison with your current policies. You may have a great policy with very high coverage limits and we need to match that. There is a wrong way and a right way to obtain this information. THE WRONG WAY involves looking all over your house – or, worse yet, having your spouse do the looking – in an attempt to find these documents. DON’T

Some of our leading carriers at EPS Insurance

 Here are just some of our carriers EPS Insurance. Dozens of carriers ... 44 states. Auto, home & commercial. 720-675-8119 -  

Welcome to EPS Insurance

Welcome to EPS Insurance. My name is Doug Newman. I am an insurance industry veteran of several years and I have recently embarked on my own venture. I should have done this years ago. EPS stands for educating, protecting, and serving. We don't just slam dunk quotes, bind coverage and send you on your way. With every proposal, we do a detailed analysis of every aspect of your current coverage. Then, we walk you through every aspect of our recommendations.  Claim time is the wrong time to find out that your agent didn't do his job properly.  "Why didn't you tell me?" is the one question you never want to ask and we never want to have to answer. And we always seek to do things as economically as possible.  You should know is that while I am in this for myself, I am not in it by myself. EPS Insurance is powered by TAG Insurance or The Ahbe Group. TAG is headquartered in the Denver suburb of Centennial and has been in business since 1996 and powers over 300 agents in