Insurance can be confusing, and while AI tools like ChatGPT can be handy for general questions like “What’s the difference between liability and homeowners coverage?” or “What types of insurance might a small business need?” they can’t offer personalized guidance on coverage, premiums, or exclusions.
This is why relying on ChatGPT alone becomes its own kind of liability. AI can’t fully grasp your specific needs, state and local regulations, or the unique risks you face, no matter what type of policy you’re looking for.
Your coverage needs depend on a myriad of factors that are decidedly personal, from your age to your assets to the type of business you own. Even your zip code can matter. A human agent can take all these factors and many more into consideration when tailoring policies to fit your needs.
Additionally, AI tools like ChatGPT don’t have access to your actual policy documents. They can’t review your specific exclusions or understand whether your teen driver just upped your auto-risk profile. And they certainly can’t navigate the claims process if your basement floods or a client sues your business.
Consider this: you spent a great deal of time and resources building your business or to purchase your home. That’s why you need an insurance agent who can protect what you’ve worked so hard for.
Beyond the Basics: Optional Business Insurance Coverages That Can Make A Big Difference
You’re not going to pull over and use ChatGPT the minute you’re in a car accident. Instead, you’re going to call your trusted insurance agent. But there are times when generative AI tools like ChatGPT can be helpful.
For example, it can be an excellent tool to understand the basics of insurance and differences between insurance types. Ask it “What’s difference between general liability and professional liability?” or “What’s a deductible vs. a co-pay?” and you’ll arrive at your agent meeting more informed.
Think of ChatGPT as a powerful research assistant rather than a replacement for real, licensed insurance advice. Use it to explore, prepare, and learn. Then, let your Roehr Insurance agent be the one who takes the reins when it’s time to make real decisions.
