As an insurance professional, your role extends far beyond selling policies—you are a trusted advisor and strategic partner, responsible for protecting your clients’ assets, operations, and livelihoods. One of the most effective ways to elevate that protection, while also strengthening long-term client relationships, is through endorsements that close critical coverage gaps.

At Globe Midwest™ we see firsthand how the presence—or absence—of these endorsements shapes claim outcomes. Too often, insureds assume they are fully covered, only to discover in the aftermath of a loss that key protections were missing. By proactively educating clients and recommending endorsements, you not only safeguard their future but also elevate your role as their advocate.

Closing Coverage Gaps Before They Become Pain Points

No single policy can account for every risk. Every business, property, and family has exposures that are unique to them. Endorsements allow you to customize coverage, aligning it more closely to real-world vulnerabilities:

Ordinance or Law Coverage ensures compliance with modern building codes during repairs or reconstruction—preventing clients from paying substantial costs out of pocket.
Business Interruption Extensions (such as contingent business interruption or service interruption coverage) often mean the difference between survival and closure after a disruption.
Equipment Breakdown Coverage protects mission-critical systems that, if lost, could cripple operations.

When these endorsements are absent, we’ve seen clients struggle to recover—sometimes losing their businesses entirely. When they’re present, recovery is faster, smoother, and clients remember the foresight of the agent who put their interests first.

Building Trust, Loyalty, and Market Differentiation

Most policyholders don’t know which endorsements they should be considering. This is your opportunity to lead the conversation. By explaining options clearly and connecting them to real scenarios, you build credibility and deepen client trust.

In a crowded marketplace, differentiation isn’t just about price—it’s about value. Clients who see that you’re looking beyond the transaction, anticipating their needs, and safeguarding their future are far more likely to stay with you, refer others, and view you as a long-term partner.

A Revenue and Retention Strategy That Works for Everyone

Endorsements don’t just enhance client protection—they also strengthen your business. While they generate incremental premium, the real value lies in retention. Clients who feel well-covered and secure are significantly less likely to shop their policy at renewal.

Put simply, endorsements create a win-win:

Clients gain peace of mind knowing their coverage matches their risks.
Agents build stronger books of business, increase referrals, and enhance their professional reputation.

A Public Adjuster’s Perspective

As public adjusters, Globe Midwest™ is called in after the loss—when insurance coverage gets put to the test. When endorsements are missing, our work often involves managing disappointment rather than maximizing recovery. But when they are in place, we can focus on helping clients collect the full benefits they deserve, making the claims process faster and less stressful.

This is why we view endorsements not as “add-ons,” but as essential components of well-structured policies. You aren’t just selling insurance—you’re protecting livelihoods. And when the worst happens, those endorsements often determine whether your client weathers the storm or faces financial ruin.

Final Thought: Protecting Clients, Building Partnerships

Every policy you sell carries your name and your reputation. By taking the time to recommend and explain endorsements, you not only demonstrate true professionalism but also strengthen your relationship with clients and your position in the marketplace.

At Globe Midwest™ we believe in partnering with agents for the mutual benefit of the client. Together, we can ensure that when coverage is tested, it performs—and your clients remember the foresight, expertise, and care that you brought to the table.