CharSan Insurance & Consulting

Most insurance agencies sell insurance. CharSan Insurance & Consulting sells the value of insurance. Its specialty in the construction industry ensures that clients are prepared to deal with workplace hazards by having the ideal workers’ compensation plan.

“We provide consultation and education pertaining to insurance and workers’ comp. Our clients can pick the plan that best protects their employees,” says Saray Uribe, owner of CharSan Insurance and Consulting.

It instills in clients the importance of having financial protection for their workers and illustrates the pros and cons of different policies, their exclusions, and state coverages, and provides them with a wide selection of insurance partners.

When customers inquire about insurance policies, it emphasizes that the need for insurance is not because of a contractor’s or governing body’s requirements, but to guarantee their protection and that of their workers. Offering a multitude of insurance options such as umbrella, contractor’s equipment, and professional liability CharSan aims to serve every client’s particular needs with due diligence.

THE KEY TO CHOOSING THE RIGHT POLICY

CharSan answers client queries regarding their insurance requirements through counseling and discussions to clear doubts and misconceptions. As every customer faces specific challenges, it assists them with a tailored approach. It also aids clients with project enrollments and audit processes where insurance plays a role.

For example, CharSan once helped a commercial construction company that needed guidance in undertaking a new project worth $2 million. The client faced challenges when enrolling for the project, which typically entails an application process, an assessment of the company’s work, and the associated risks. They were unable to fully comprehend the nuances of the contract and lacked the capabilities to complete the process themselves. CharSan stepped in and retrieved all the necessary information, did the calculations, and submitted the data within the day.

All of CharSan’s customers receive consulting and education services free of charge. The aim is to help clients understand the importance of workers’ compensation and prepare them for scenarios like a worker sustaining injuries on the job. When clients understand the gravity of such situations and how it affects them, they are ready to invest in policies that protect their workers.

CharSan partners with direct carriers, wholesalers, and MGAs in the private sector to provide clients with a wide range of compensation packages. It believes that assigned risk and state coverage should be the last resort.

Collaborating with wholesalers comes with many benefits, including bundled packages, coverage for multiple states, and lower rates compared to assigned risk policies. Through pre-existing relationships with wholesalers, CharSan aims to provide the best coverage for its clients.

INTERCEPTING NEEDS BEFORE THEY ARISE

CharSan stays in contact with clients after selling them a policy as part of their after-sales practices. It tracks their organizational growth and offers them new plans and policies as they evolve. After 10 to 15 days, it contacts them to respond to questions they may still have regarding their policy and to find out if they landed their sought-after project. Six months later, it contacts the client again and asks about their business’s growth, whether they are working in other states, and if they require assistance on new projects. These follow-ups regarding policy changes, payroll increases, and shifts in operating locations keep costs down and prevent conflict pertaining to the client’s policy.

Illustrating CharSan’s proactive follow-up success is an instance when it offered a client a better package that covered multiple states. The client hesitated, as they had no plans to expand to other states.

Our aim is not just to sell an insurance policy, but also the need for the policy and its importance in securing worker health

CharSan noted that most companies end up operating in multiple states after growth, convincing the client to go with the suggested plan. When it conducted a follow-up a few months later, the client announced that they expanded their operations and were working in multiple states, which was easily accomplished with the revised plan in place.

DELIVERING INSURANCE WITH POSITIVE CHANGE

CharSan is the result of Uribe’s passion for the insurance industry. She did not plan on creating an agency when she started out in the sector. However, her previous employment instilled within her a keen interest in the insurance world, and her inclination to help others fueled her to dig deeper into the sector’s independent side.
Watching clients grow and develop after they work with CharSan is gratifying for Uribe, especially when they grow from a small business into a profitable enterprise. For this reason, it continues to offer its services to large-scale companies and start-ups alike.

Driving a positive change for clients is a vital mission for Uribe. She aims to emulate the way others influenced her to achieve greatness to do the same for her clients. CharSan goes the extra mile to guarantee maximum protection for clients and distinguishes itself as an essential partner in delivering only the best workers’ compensation solutions.