Independent vs. Captive

Independent agents are independent of any one insurance company.

Unlike a captive or direct insurance company, who only offers their own proprietary products, we don’t have to try and fit you into the one offering available. Instead, we find the right company and policy for you based on your individual needs!

Many consumers don’t fully understand just how important that really is. When it comes to something as important as insurance, it’s crucial to work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

Cost

Does it cost extra to work with an independent agent? Absolutely not!

There are no extra fees involved when you work with an independent agent. We are compensated by the insurance companies, just like other agents.

 

DIY Insurance

Some people try to DIY their insurance online, hoping to make it cheaper on their own or because they prefer to do it themselves. While this can be tempting (especially with billions of marketing dollars out there), we strongly advise against it. We’ve seen instances where people buy insurance online, only to find out through a claim they aren’t adequately covered. In the best of cases there can be additional costs for vehicle repairs. In the worst circumstances people can be found liable through lawsuits for damages that exceed all owned assets, creating financial ruin.

 

Benefits of working with an independent agent

As insurance professionals, we dedicate the time and effort to additional and ongoing education to help us best protect our clients with the proper insurance coverage. We’ll assess your risk, save you time from searching and comparing options yourself, give you expert advice and guide you through complex insurance decisions.

We’ll also explain policy details and terminology for both existing and proposed solutions. We respond quickly when you need us and provide excellent service and claims assistance.

 

The Bottom Line

When it comes to protecting your home, family, income, business and other valuable assets, relying on an independent agent you can trust is the best choice! We believe our job as independent insurance agents is to recommend the policies and coverage that will best protect our client’s quality of life should a claim occur.

You probably have a different job, so we recommend working with an independent insurance professional to get the RIGHT solutions for your unique situation.