WHAT MAKES US DIFFERENT?
“We set ourselves apart from our peers by aspiring to be more than mere policy peddlers - we strive in everything we do to be professional insurance brokers.” Ami Curci - President
“We are what we repeatedly do. Excellence then is not an act, but a habit.” Aristotle
Stratton, Wright & Ziemer is owned and operated by a multigenerational family of insurance experts. We trace our roots back to 1975, when we started out as a small-town insurance agency which served the farmers, ranchers and other residents of a rural county in northwest Texas. Over the years we have evolved into a sophisticated, Dallas/Fort Worth based firm of insurance professionals with a national reach, yet which have retained a local touch.
We are masters at solving complex risk transfer problems for businesses of all sizes. In our minds, risk transfer is the name of the game for every client, and we help simplify the process by bringing superior insurance products to the table and explaining them in easy to understand terms. We realize that our clients are experts in their field or industry, and that they wish to work with other experts when it comes to handling legal or financial transactions for their companies. That is why we are consistently the leading choice for our clients when it comes to placing insurance for their companies.
The reason we are consistently the first choice for our clients is the result of one word - knowledge. Our prime objective is a solid understanding of the ever-changing insurance industry. In order to accomplish this monumental task, we make it our top priority to stay current with constantly evolving insurance carrier appetites, regulations, statutes, and coverage options. Furthermore, the education of our staff is paramount to us, as we believe the ability to call ourselves experts directly correlates to the advanced education level of the leadership of our firm. Our board is comprised of individuals with law degrees and MBA’s, as well as degrees in finance, accounting and economics.
Most clients do not realize the amount of work that our firm puts into each and every account prior to putting it into the underwriter’s hands. A client will send requested information on their company to us so that we can prepare a quote, and this information is put together into what is called a “submission,” and then the submission is sent to the various underwriters for their review and pricing. We know from our time spent on the underwriting side of the industry that most agents simply repackage, or forward, the same data as it is received from the client onto the company underwriter, and then hope for the best. We are firm believers that a professional insurance broker should do more than regurgitate client data to the insurance company underwriter.
Unfortunately, these are the types of things which are all too common in many agencies these days, and what sets us apart as being professional insurance brokers versus “policy peddlers.” Our mantra is: “There is a vast difference between hoping for the best, and preparing for an optimal outcome!”
Our job is to understand each account, and the associated risk with the account, and then professionally present the account to the underwriters in an educated format. This entails a detailed analysis of your company and the day-to-day operations of your company. We write a detailed narrative on each client which will detail the history of the company, the operations of the company, and any important details such as whether or not there is a pre-existing safety program which has been implemented or any formal employee training program.
In addition, we truly study your prior claims or loss history by breaking down and stratifying your loss runs over a 3-5 year period, analyzing the types of losses your company is having and identifying patterns which can be presented to the underwriter in an intelligent format. An underwriter does not have the time to do all of this work, and if they are simply presented a set of loss runs with no prior analysis having been performed, you can rest assured that you will not be presented with an optimal insurance premium for your business.
Don’t you think it’s time you made our firm your first choice for your company’s insurance needs?