Spend a few minutes with Larry Hines and his team and you’ll understand why savvy business owners are flocking to SPIB Insurance Agency like birds flying south for the winter. Larry Hines founded SPIB Insurance Agency Inc. 25 years ago with the goal of providing superior “Knowledge, Protection and Savings” for his commercial accounts.

 

Over the years, Larry realized that all insurance brokers were pretty much the same and had access to most of the same insurance companies. Customers looked upon their insurance product as an expensive but necessary commodity. However, Larry also recognized that, as business owner himself, he knew much more about what a small business owner was forced to put up with on a daily basis to have a successful business than just the necessity of buying insurance. He also understood that the concept of leverage could be utilized by a business owner to increase revenues if they could grasp the concept. As a result, Larry decided to utilize his extensive personal business experience in combination with use his superior insurance knowledge to provide a unique and powerful service to his insurance clients.

 

Larry and his team of 37 insurance specialists continually work to become, not only insurance, but also business advisors to their clients by providing them with superior “Knowledge, Protection and Savings”. This is accomplished through a valuable array of helpful business services that are, shockingly, free to SPIB clients. For example, when a small business purchases their insurance through SPIB they are able to access attorneys and/or consultants that specialize in helping business owners with federal and state compliance issues, contract review and human resource issues. Clients of SPIB can save thousands of dollars that they would have spent on various professionals to help them with legal issues, organizational and strategic planning, etc. For those businesses that want to grow their business Larry can make available to them some of the best sales and marketing minds in the country at a fraction of the cost they would pay to have direct access.

 

How can Larry provide all of these extra services that save his clients money? Part of it is the result of being active in the market place for the past 30 years and building powerful business relationships. The other part is being willing to give back a portion of each insurance revenue dollar to purchase additional products and services needed by his clients in order to reduce their costs. That’s an effective use of “leverage”.

 

A business has the choice of purchasing a specific insurance product from XYZ broker and then spending thousands of dollars elsewhere on other necessary products and services. Or, they can spend the same amount for the same insurance product from SPIB and have free access and/or substantially reduced costs for other non-insurance products they will need to run a successful business—that’s leverage.

 

Larry explains to one business owner, “We’re not just here to provide a “competitive” price on insurance.  No, that’s just where our services begin. We want to wear several hats in your business. We want to wear the hat of insurance providers getting you better protection than most agencies out there will. We want to wear the hat of business coaches giving you everything from marketing, hiring and firing, and growth advice so that you maximize profits and minimize expenses. We also want to wear the hat of bankers helping you to save precious money in business expenses. That’s why we have invested heavily in great services which are vital to business growth but can cost hundreds or thousands of dollars to use. For our customers, most of these services are absolutely free.”

 

Traditionally, business owners lament having to deal with complicated compliance issues and struggle to meet an ever increasing list of state and federal regulations which are just slightly less complex than “rocket science.” On top of that everybody hates paying for insurance coverage because it eats a hole out of the budget and doesn’t offer any benefits, except in the event of a catastrophe. Insurance, compliance, and employee issues have small business owners singing the blues. But SPIB has changed all of that by offering them as valuable free services to their clients.

 

Larry comments, “Business just doesn’t have to be so scary and complex. Let us take all the pressure off while you focus on building your business. More than providing the best insurance at the best possible rate, we actually become business partners with you, providing an extremely valuable set of tools and expertise that every growing business owner needs. Sure we’ve invested a lot of money, time, and energy in providing all of the services and tools but that’s because we really care about helping business owners build stress-free, highly profitable, and well-protected businesses.”

 

SPIB Insurance Agency, Inc. offers a complete range of business and personal insurance including property, liability, auto, workers’ compensation, health, life, and more. They’re so confident in their ability to save clients money that they offer a 100% money-back guarantee on any unused insurance premiums if clients are not satisfied with their service.