Because no American business can do without proper insurance coverage, no business can do without insurance agents and brokers in the US. The best agents or brokers will help you sort through your business needs, pinpointing the best policies for your future plans -- and your wallet. The trick is to find the best agent for your needs. This takes a little research and comparison shopping.

When looking for an American insurance broker or agent, business owners should seek professionals who can meet many criteria. On the simplest level, look for:

1. An American insurance agent who is easily accessible, friendly and helpful;

2. US insurance agents who truly understand your business;

3. And US insurance brokers who can offer you policies from a variety of well-established insurance firms.

Action Steps
The best contacts and resources to help you get it done

Find insurance agents in the US

There are a number of places to find the names of appropriate agents and brokers in your area. Begin with a large list like this, then narrow it down by seeking independent insurance agents who have true knowledge of your business industry. Then narrow your list even further by looking for a US insurance broker or agent who can meet all of your business needs, providing you with every insurance policy you seek.

I recommend: VentureStreet offers an easy-to-use directory of insurance agents, letting you search by the type of insurance you desire. Insurance Finder also allows you to search for insurance agents; select the type of insurance you want, plus your state, and you'll receive a customized list.

Research insurance agents and brokers in the US

Once your list of potential providers is narrowed considerably, whittle it further by looking into the background of the agents who remain. Look first at your state's records about the agent or broker; then be sure to research how customers rate specific insurance brokers in the USA.

I recommend: The National Association of Insurance Commissioners provides links to every state's department of insurance, which keeps track of agents and brokers who are licensed. The Better Business Bureau also allows you to check customer feedback on specific agents.

Obtain quotes from US insurance agents

Now you can narrow your list even further by comparing quotes from several US insurance agents. This is easily done online, where easy-to-use web forms allow you to obtain custom quotes.

I recommend: 4FreeQuotes.com provides insurance quotes from a variety of agents and brokers, allowing you to compare rates. NetQuote also allows you to compare agents' quotes by filling out a five-minute web form.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Another important factor in choosing insurance agents in the US is responsiveness. Not only should your USA insurance agent be available during business hours, but the best agencies and brokers allow you access 24/7, with phone and email communication.