Shopping for insurance is full of contradictions: different companies have different views of risk, and yet somehow, everyone has the same products for the same premiums. Insurers are after your money, but claim to offer the lowest rate possible. The cheapest policy doesn’t have enough coverage, but anything beyond that has too much. And it’s over your budget.

How can you tell what’s right for you? How do you know you’re getting the best value out there? It takes work.

At PROLINK, we understand that “a low rate” is unique to you—your business, your lifestyle, your needs. That’s why we aim to help you find not just the lowest price, but the right price. Here are two examples that demonstrate the tailored approach we’ll take to your policy so that you can satisfy your budget without sacrificing on protection:

Professional Insurance

Lisa, an accountant, was running a small, but reputable tax consultancy firm serving around 300 clients. Like any dedicated professional, she needed liability insurance. In her quest to find a reasonable rate, she contacted dozens of brokers and even some insurance companies directly. In an endless sea of policies, one thing stayed consistent: the price. And it was hefty.

Finally, she found PROLINK. Lisa was shocked: the rates were one third of what she was quoted from any other company. It was too good to be true. What she didn’t realize is that the other brokers and insurance companies she consulted were lumping her risk profile together with accountants who worked in riskier specialty fields.

Instead of treating her like any other accountant, PROLINK looked at Lisa’s certifications, service offerings, and risk profile to tailor a custom insurance solution just for her. And with a wide pool of existing accounting and bookkeeping clients, PROLINK was able to demand an unparalleled premium rate for the coverage Lisa truly needed.

Personal Insurance

Simon, a social worker, had been a loyal client with the same insurance company for 10 years. Though he had never made a claim on his insurance, one day his premium skyrocketed. Confused and frustrated, he called his broker who then explained that the entire personal insurance industry was facing higher market rates because of a particularly bad storm season and increased auto fraud. And unfortunately, due to his broker’s limited access to insurance providers, he could do little to adjust the jump in his premium.

Simon decided to explore his association’s personal insurance program for a better rate. Then he found PROLINK. With a network of over 30 insurers, PROLINK was able to match Simon to an insurance company that could charge him a lower base premium. He also saved an extra 30% from what his previous broker quoted because PROLINK took the time to investigate if he was eligible for any discounts.

As an independent brokerage, PROLINK operates in your best interest. We work for you—not the insurance company. Every insurance policy has its limits, but so do you. Our mission is to provide you with comprehensive and cost-effective programs that protect you according to your financial needs. We’ll make sure you’re always covered for the right price.