Frequently Asked Questions

 

Answers to Common Questions
Insurance is complex—but working with us shouldn’t be. Here are clear answers to the questions we hear most often from our clients.

Agency & Approach

Q: What makes Sherlock Insurance Group different from other agencies?

A: Many agencies sell policies. We deliver strategies. With access to more than 100 A-Rated insurance companies and programs, we match each client with the right solutions—not one-size-fits-all coverage.

Q: Are you independent or tied to one carrier?

A: We are fully independent. That means we represent you, not the carriers. Our recommendations are always based on your needs, not a company quota.

Q: Do you only serve clients in Oklahoma?

A: No. While we began in Oklahoma, we now serve businesses and families across multiple states, supporting both local operations and multi-state organizations.

 

Business Insurance

Q: What types of business insurance do you offer?

A: Our commercial property & casualty solutions cover a wide range of risks, including general liability, commercial property, business interruption, fleet auto, workers’ compensation, professional liability, umbrella coverage, and more.

Q: Can you help if my business has a history of claims?

A: Yes. We work with a broad network of carriers and programs, giving us flexibility to place even challenging risks with the right markets.

Q: Do you work with specific industries?

A: Yes. We serve a wide range of industries including construction, manufacturing, logistics, healthcare, professional services, real estate, and retail.

 

Group Health & Employee Benefits

Q: How are your group health plans different from the big carriers?

A: Most employers believe Blue Cross, UnitedHealthcare, Cigna, or Aetna are the only options. We provide ACA-compliant alternatives with nationwide networks, competitive benefits, and more transparent pricing.

Q: Can small businesses offer group health through Sherlock?

A: Absolutely. Whether you have just a handful of employees or hundreds, we can design benefit solutions that scale with your business.

Q: Do you help with compliance?

A: Yes. We guide clients through ACA requirements and support them with tools and resources to stay compliant while controlling costs.

 

Personal Coverage

Q: Do you also handle personal insurance?

A: Yes, for clients seeking a complete risk strategy. We provide home, auto, umbrella, and specialty coverage integrated into a broader plan—so your personal and business assets are aligned under one strategy.

Q: Do you compete with online insurance sites for personal coverage?

A: No. We don’t focus on price-only quoting. Our clients value strategies built on protection, service, and long-term relationships—not just chasing the lowest premium.

 

Service & Support

Q: How do I make changes to my policy?

A: Many carriers provide online service options, and Sherlock clients can also contact our team directly for support. We’ll help you navigate policy updates, certificates of insurance, claims, and more.

Q: What if I need help with a claim?

A: Our team is here to assist and advocate for you throughout the claims process. We’ll help you file, follow up with the carrier, and work toward the best resolution possible.

Q: How do I get started with Sherlock?

A: It’s simple. Contact us to schedule a consultation, or request a business quote online. We’ll review your needs, explore your options, and build a strategy that fits.

 

Still Have Questions?

We’re here to help. If your question wasn’t answered here, our team is only a call or click away.

 

Contact Our Team