LETTER FROM THE PRESIDENT
BY : CHASON ISHII , PRESIDENT OF ATLAS INSURANCE AGENCY
WELCOME VALUED ATLAS FRIENDS AND CLIENTS
We have learned a lot through the pandemic . Customer demands have increased , and clients want more than just a broker . They want a trusted advisor who can offer advanced insights and unique solutions . Agencies need to proactively offer risk mitigation solutions to reduce hazards , rather than simply managing risks or reacting to events . With knowledge comes understanding , and with understanding comes the power to make change and deliver service that sets you apart .
How do you navigate the insurance world and select the appropriate agency to really provide that better solution ?
BELOW ARE FIVE CRITICAL AREAS OF IMPORTANCE WHEN CHOOSING AN AGENCY :
1 . Person vs . Agency : Before choosing an insurance agency , you have to decide whether you want to purchase insurance from a person or an agency . Most individual agents are transactional and tend to be reactive . They focus on events like renewals , premium increases , and claims whereas leading agencies can assign dedicated teams to support clients holistically . The team concept allows greater bandwidth , technical capabilities ,
cutting-edge technology , and education and training that can help with risk mitigation solutions and lower loss ratios .
2 . Generalist vs . Specialist : Generalists typically cater to all insurance needs like auto , home , and a vast number of business industries , but they aren ’ t experts in any particular area . Insurance specialists focus on specific practices or markets . Insurance is becoming more complex with an increasing number of specific risks and coverages . That complexity requires expertise and a greater understanding of coverage requirements , loss trends , new exclusions , and specific industry policies . It is impossible for one agent to say that they have a complete understanding on all risks and coverages . It would be like expecting your car salesperson to repair your Tesla .
3 . Global Reach : A key factor to consider when selecting an insurance agency is their global breadth . You need to know if the agency can operate on a local , national , or international level . Not every agency has the capability or license to operate in every state or access global markets . Local , national , and international reach can be vital for securing the proper coverages at competitive prices . Do you want to limit the premium and coverage competition to carriers located in Hawaii only ?
4 . Financial Strength : The purpose of purchasing an insurance policy is to secure yourself financially and give you peace of mind . Take your time in selecting a company with a strong history that is likely to be financially stable for years . You need to understand the agency ’ s financial strength so that in the event that a loss occurs , your agency will be there for you .
5 . Locality and Community Understanding : This factor may be overlooked , but it is especially important to select an insurance agency that deeply understands the issues and challenges unique to Hawaii . Are they committed to the community , its businesses , and its people ? Are they a locally rooted company who supports Hawaii ’ s economy and gives back to the community through donations and community service ?
For help selecting the right insurance agency , you can always consult your Atlas team . Our commitment is to give you an honest opinion and work closely with you should you determine we have the best solution . On behalf of all of us , aloha , and happy shopping ! +
Chason Ishii President of Atlas Insurance Agency
ATLASINSURANCE . COM
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