Follow Alexandra Linkedin Facebook
Email Alexandra Email
Other
Sep 27, 2019

It’s not Batwoman, It’s not Superwoman, It’s Your Insurance Agent!

Sponsored Content provided by Alexandra Lysik - Agency Owner, Cavik Insurance

In my profession, I get asked A LOT of questions. All types of questions, from how much their deductible is to if I can add their teenager to their auto policy (and of course, how much?!). So, I thought to myself, do people truly understand what an insurance agent does?

Let’s first consult the definitions, to be exact. According to Webster’s Dictionary, the definition of insurance is, “the act of insuring, or assuring, against loss or damage by a contingent event; a contract whereby, for a stipulated consideration, called premium, one party undertakes to indemnify or guarantee another against loss by certain specified risks.” Okay, so we protect your stuff against damage through a contract (and your payment). Let’s move on to the definition of an agent, “One who acts for, or in the place of, another, by authority from him; one intrusted with the business of another; a substitute; a deputy; a factor.” Whew, that’s quite a mouthful. To be more clear, a client allows an agent to discuss, advise, and process changes on the client's policies.

So what are these contracts for? What are we insuring? Well, in my line of business, I have an active North Carolina Property and Casualty Insurance license. I am licensed to sell Personal Lines and Commercial Lines. Personal Lines include, but are not limited to, homeowners, condominium, umbrella, automobile, and boat owners insurance. Commercial Lines include, but are not limited to, General Liability, Commercial Property, Inland Marine, and Workers Compensation insurance.

Some agents are licensed in life and health Insurance, and offer coverage such as short term health, disability, short term life insurance, and accident insurance.

But is that all we do? Take money and send documents for signature? I would say absolutely not! We are also the person who talks you through your first hurricane, explains why those trees need to be trimmed away from the house, and helps you find a carrier to insure your precious pitty. I love seeing that light bulb go off when someone finally understands that hard to read “declarations page” or when we are able to save them $800 per year on their renewal.

My job isn’t glamorous, but I get a lot of smiles through the day. Insurance isn’t for everyone, I will tell you that. But if you love the chase, and understand that you are there to help, you can definitely be an insurance agent.
 
Alexandra Lysik is a licensed Property and Casualty Insurance Agent in North Carolina and South Carolina. Her independent insurance agency, Cavik Insurance, helps people save money and receive free insurance reviews to make sure they have the right coverage for auto, home, condo, umbrella, boat and all lines of commercial insurance. For more information visit www.cavikinsurance.com.
 

Cavikinsurancelogo 92719113217
Ico insights

INSIGHTS

SPONSORS' CONTENT
Jessiepowellheadshot webversion

5 Reasons to Build Custom Franchise Software

Jessie Powell - Wide Open Tech
Untitleddesign4

Paving the Way to Better City Streets

Tony Caudle - City of Wilmington
Gretchen roberts 2021

5 Finance Topics Every Small Business Owner Should Master

Gretchen Roberts - Red Bike Advisors

Trending News

Riverlights Could Add 73 More Townhomes To Mix, Site Plans Show

Staff Reports - Apr 18, 2024

Game Over For Michael Jordan Museum At Project Grace

Audrey Elsberry - Apr 19, 2024

City Approvals Push Forward Plans For Former Wilmington Fire Stations

Emma Dill - Apr 17, 2024

Surf City Embarks On Park’s Construction

Cece Nunn - Apr 19, 2024

Taking Marine Science On The Road

Lynda Van Kuren - Apr 19, 2024

In The Current Issue

MADE: Makers Of Important Papers

W.R. Rayson is a family-owned manufacturer and converter of disposable paper products used in the dental, medical laboratory and beauty indu...


Bootstrapping A Remote Option

Michelle Penczak, who lives in Pender County, built her own solution with Squared Away, her company that now employs over 400 virtual assist...


With Coffee And Cocktails, Owners Mix It Up

Baristas are incorporating craft cocktail techniques into show-stopping coffee drinks, and bartenders are mixing espresso and coffee liqueur...

Book On Business

The 2024 WilmingtonBiz: Book on Business is an annual publication showcasing the Wilmington region as a center of business.

Order Your Copy Today!


Galleries

Videos

2024 Power Breakfast: The Next Season