Why Your Insurance Advisor May Recommend Companies You’ve Never Heard Of

You Trust Experts in Other Areas –  Insurance Should Be No Different

Think about your relationship with a financial advisor.

You don’t walk into their office with a list of stocks and tell them exactly what to buy. You rely on their expertise, market knowledge, and research to guide you toward the right investments based on your objectives and risk tolerance.

Insurance works the same way.

At Trunnell Insurance Services, we evaluate carriers the way a financial advisor evaluates investments, based on strength, performance, suitability, and long-term stability, not name recognition alone.

Why the “Big Name” Isn’t Always the Best Option

Many nationally advertised insurance companies are excellent, but they aren’t always the right fit for every business or individual. Large carriers often:

• Have rigid underwriting guidelines

• Avoid niche industries or unique risks

• Charge higher premiums due to overhead and brand marketing

• Offer less flexibility for growing or evolving businesses

Smaller or lesser-known carriers often specialize in certain industries or risk profiles and can provide:

• More competitive pricing

• Better coverage terms

• Industry-specific endorsements

• More responsive claims handling

How We Vet Insurance Companies You May Not Recognize

We would never recommend an insurance company unless we were confident it met strict standards. Every carrier we work with is carefully evaluated for:

• Financial strength and stability (AM Best and similar ratings)

• Claims reputation and responsiveness

• Longevity in the marketplace

• Industry specialization

• Regulatory compliance

If a carrier didn’t meet these criteria, we wouldn’t put our clients, or our reputation, behind them.

Insurance Is Not One-Size-Fits-All

The goal of insurance isn’t to buy the most familiar logo — it’s to ensure you’re properly protected when something goes wrong.

We match carriers to clients based on:

• Business size and industry

• Risk exposure

• Growth plans

• Claims history

• Budget considerations

Sometimes that match happens to be a well-known national carrier. Other times, it’s a company you haven’t seen advertised during a football game, but one that is far better suited for your specific needs.

Our Commitment to You

At Trunnell Insurance Services, we act as advisors first, not salespeople. If we recommend a company you don’t recognize, it’s because:

• We believe it’s a strong, reliable carrier

• The coverage fits your risk profile

• It provides better value than the alternatives

• We trust them to be there when you need them most

We wouldn’t recommend them if they weren’t a good fit.

If you ever have questions about a carrier we present, or want to understand why we’re recommending a particular option, we’re always happy to walk you through the reasoning. Transparency and trust are the foundation of everything we do.