We don't just sell insurance.  We help our clients by impacting their costs. Insurance is a part of what we do at WA, and we do it very well.  We are an independent agency and therefore represent many of the best insurance companies in the industry.  But often buyers are so focused on the price of insurance that they ignore the cost of risk. The price of insurance is the premium that you pay for your coverage. That number is important at the time of the purchase and when it is renewed, but the Total Cost of Risk is what businesses and individuals deal with everyday and is actually the more important number. Ask yourself the following question; "What is my actual Total Cost of Risk?" If you don't know, then you've come to the right place.