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One of the most common questions we hear at Trunnell Insurance Services is:
“Why am I being quoted by an insurance company I’ve never heard of?”
It’s a fair question, and an important one. The short answer is this: our job is not to sell you the most recognizable name, but to recommend the best fit for your specific risk, operations, and long-term goa
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.
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
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.
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.
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.
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