Let's start by understanding the difference between a "captive" and an "independent" insurance agent.
Captive agents only work for one insurance company, so they can only sell you that company's products.
Independent agents work with multiple insurance companies, so they can shop around for you and find the best deals from different companies. This is especially helpful if you have a complex insurance need.
Some advantages of working with an independent insurance agent are:
They've got your back. Independent agents work for you, not the insurance company. They want you to have the coverage you need and can help to tailor your policy to your special needs.
They're experts. Independent agents have been in the business for a long time and they know their stuff. They can help you understand your insurance options and choose the policies that are right for you.
They're easy to work with. Independent agents are typically more responsive and easier to reach than captive agents. They'll take the time to answer your questions and help you through the process because taking care of you, and not the insurance company, is their priority.
They're local. Independent agents are typically based in your community. This means that they know the area and they have a better understanding of your risks and exposures.
Ultimately, the best way to choose an insurance agent is to interview a few different agents and see who you feel most comfortable with. Ask them about their experience, their knowledge of the insurance industry, and their commitment to customer service. Then, choose the agent who you think will best meet your needs and preferences.
So if you're looking for an insurance agent who will work hard to get you the best possible coverage to protect your family and your business.