Professional indemnity cover will ensure that you are protected if your insurance broker has been negligent in dealing with the insurer on your behalf.
Ask to see proof of your insurance broker's credentials and ask about their experience and client base.
An insurance broker should keep in touch with his clients, perhaps via a newsletter or an annual update visit. They should also be proactive in recommending changes or additions to your cover, depending on market conditions, or important events in your life, such as the birth of a child or a child reaching the age of 18.
Your insurance broker should handle all your claims queries on your behalf and ensure that the process runs smoothly. Your insurance broker should be able to deal with difficult claims or disputes about coverage.
This is particularly important when there is an emergency to be dealt with such as advice about an insurance claim when you are involved in a car accident.
Word of mouth is the best way of establishing your insurance broker's reputation for service.
An insurance broker should be compensated by the insurance company that underwrites your policy.