For many businesses, the 2012 U.S. East Coast hurricane season coincides with a particularly precarious time. Although the economy in some areas of the world appears to be edging toward recovery, budgets remain tight and insurance rates for property catastrophe coverage are up as much as 25 percent.

Against this backdrop, agents and brokers have a critical role to play in supporting their clients. With catastrophic risks looming, they help clients with pre-loss planning. Should a loss occur, guide clients through the catastrophe claims management process. Agents and brokers who excel in both areas bring substantial value to their clients that can strengthen relationships and enhance their business.

An effective property insurance program starts with a thorough understanding of a client's exposures. Supplement what clients share in routine fact-finding meetings by gleaning information from client websites, financial filings, investor communications and through news sources. Google Maps can verify client locations.