Dear Clients,

Join me as we explore bundling policies. This smart approach can save you money and improve your coverage. When you bundle multiple types of coverage with one insurance provider, you receive credits on premiums.

How does bundling work? 

I have a true case right now that we're working on. The insurance company is Hartford. Our commercial client is an upholstery shop. They sell curtains and drapes and window treatments, and they do upholstery work. They have about four or five vans, and have a decent commercial auto premium. The auto premium has been with Hartford for about two to three years, and now the client's commercial property and liability policies are coming up for renewal. 

The client just agreed today to go with our recommendation to put their property and liability insurance with Hartford as well. As a result, Hartford is offering superior coverages that the client didn't have previously. By bundling, our client is going to save about $3,000 to $4,000. It's a real-life example of how we do our best for our clients, turning over all the rocks to find the right solutions. 

Bundling challenges in Florida

Certain policies need to be in place to make bundling possible. Many insurance companies no longer offer homeowners insurance in our state so bundling isn’t possible. Providers may just offer auto policies. 

In Florida, we have a lot of litigation and a tough legal climate. Insurance companies have to defend themselves, and hiring lawyers is very expensive. Florida is the number-one state for property claims litigation in the United States, with 40% of all cases nationwide. It's killing the carriers.

How can MCF help?

At Massey, Clark, Fisher, we work with more than 70 reputable carriers. If the bundling estimates from one carrier are more expensive than the others, we recommend other carriers. We put ourselves in our clients’ shoes and apply this approach to our personal and commercial customers. We don’t hesitate to put your needs first. 

As an Independent Insurance Agency in business since 1939, we have built relationships with 70+ quality, A-rated carriers. Once we get to know you, your needs and budget, we can find the right bundling opportunities for you to save money. 

If you have any questions or you would like additional information, please feel free to reach out. Our team is here to assist you.

Sincerely,

H.W. “Hank” Massey Jr.                                                                                                                           
President                                                                                                                                                
Massey, Clark Fisher

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.