Insurance broker David Browne of Martin Merry & Reid Ltd. answers this question by observing that it’s common for both commercial and residential buildings to be underinsured. In other words, a policy won’t fully cover the full cost of repairs or rebuilding. The reason this happens is that people withhold details about their homes to keep premiums low, or they don’t know what they need to report to their insurer. To address this, Mr. Browne said his firm interviews clients about their homes to get an accurate picture of the coverage required. The firm also does such things as help ensure clients have proper coverage for liability, which protects against damage or injury to others. “The work that we do is more than just order taking,” he said. Might you save money on commissions by dealing with an insurer that sells directly to people and doesn’t use a broker network?

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