Contract Requirements vs. What You Actually Need in Coverage

It’s common for Texas business owners to acquire commercial insurance because a landlord, lender, or client contract demands it. But minimum requirements often protect others more than they protect you. Understanding the difference between contractual obligations and true coverage needs helps you avoid costly gaps that could cripple your business after an unexpected loss.

Why Contracts Set Minimums, Not Maximums

Most contracts outline only the insurance that protects the party drafting the agreement, typically property owners, project managers, or financial backers. For example, a construction contract might require $1 million in general liability coverage to protect the client from job-site accidents. But that limit may not cover your tools,your coverage. vehicles, or employees. For your own protection, consult a commercial insurance agency to round out your coverage.

When “Required” Isn’t Enough

Even if you meet every clause, you could still face uncovered losses. Suppose a subcontractor damages a client’s property and your general liability limit is exhausted. Without umbrella coverage, the rest comes out of your pocket. Or imagine your lease requires property insurance; but only for the building, not your equipment or stock. Requirements rarely reflect the full scope of your exposure.

How to Balance Cost, Compliance, and Real Protection

Buying insurance just to meet contract terms may check a box, but it rarely reflects what your business truly needs. A smarter approach is balancing cost, compliance, and protection. Start by meeting the contract minimums, then review your operations for uncovered risks like vehicles, equipment, or digital assets are common blind spots. Compare premiums versus potential loss, and remember that modest policy increases often yield significant added protection when tailored by an independent commercial insurance agent who understands your business.

Coverages That Go Beyond Compliance

A smart insurance strategy safeguards your company’s long-term stability. The right mix of policies shields revenue, assets, and employees from unexpected setbacks. Think of these layers as your business’s safety net, designed to keep operations running smoothly even after a major loss:

• Business interruption insurance – replaces income after a covered shutdown.

• Inland marine coverage – protects mobile tools and equipment.

• Cyber liability – covers data breaches and digital attacks.

• Umbrella insurance – adds higher limits across liability policies.

These policies may not appear in your contracts, yet they often determine whether a business recovers or closes after a major claim.

Working with an Independent Agent

An independent insurance agency goes beyond simply checking your coverage boxes. Their agents review contracts line by line, identify exposures that minimum policies overlook, and design protection that matches how your business actually operates. The goal is to meet every legal requirement while building reliable, long-term coverage that truly safeguards your assets and operations.

Disclaimer: This content is for educational purposes only and does not constitute legal advice.

Safeguarding Mobile Equipment & Tools with Inland Marine Insurance

Every contractor, builder, and service company depends on tools and equipment that move daily between job sites. One accident, theft, or storm could halt operations overnight. Inland marine insurance protects these mobile assets by covering losses while they’re on the road, in storage, or actively in use. By understanding how this coverage works, business owners can prevent downtime and financial loss that standard property policies often overlook.

What Inland Marine Insurance Covers

Unlike traditional property insurance, which protects fixed locations, inland marine coverage follows your equipment wherever work takes you. It can insure power tools, compressors, materials, or even laptops used in field operations. If items are stolen from a truck, damaged in transit, or lost during installation, this policy fills the gap. For many small businesses, it’s the missing layer that keeps projects running smoothly.

Why It Matters for Mobile Businesses

Standard property coverage ends at your premises—exactly where most job-related risks begin. Equipment loaded into vans, trailers, or temporary sites faces exposure to theft, vandalism, and collision damage. According to the National Equipment Register, construction-related theft alone costs U.S. companies more than $1 billion annually. Inland marine insurance reimburses replacement or repair costs so work can continue without major interruption.

Key Policy Options and Endorsements

Most carriers allow policies to be customized to your operations.

• Contractor’s equipment: covers owned and leased tools.

• Installation floater: protects materials awaiting installation.

• Builder’s risk extensions: address property under construction.

• Computer and electronics coverage: shields mobile tech used for estimates and reporting.

Review each limit carefully—high-value machinery or specialty tools may require scheduled coverage to ensure full replacement value.

Common Mistakes to Avoid

Many owners underestimate the replacement cost of older equipment or assume auto insurance covers everything in transit. Others forget to update policies when they add new gear. A periodic inventory and consultation with an independent insurance agent ensures your protection keeps pace with growth.

How to Set the Right Limits and Valuation

Getting inland marine insurance is only half the job. You also need limits that match real replacement costs. Start by listing every tool and piece of equipment with make, model, and serial number. Choose replacement cost when available so claims pay what it takes to buy new, not the depreciated value. If you have a few high-value items, schedule them separately; use a blanket limit for the rest. Review deductibles so small losses do not stall projects.

Quick checklist:

• Update inventories quarterly with photos and receipts

• Add new purchases within 30 days

• Confirm rental gear and borrowed tools are included

• Watch for coinsurance clauses that penalize underinsurance

Reliable coverage keeps projects on schedule, payroll consistent, and client confidence intact. Inland marine insurance bridges the gap between the warehouse and the worksite, giving business owners peace of mind that critical tools are always protected.

Disclaimer: This content is for educational purposes only and does not constitute legal advice.

Important Insurance Options for the Oil and Gas Industry

Texas energy drives local jobs and global markets, with risks as big as the rewards. From environmental exposures to high-value equipment, oil and gas companies need coverage from an experienced commercial insurance agent. Even a minor incident can trigger seven-figure losses. If you’re reviewing coverage, start with a high-level look at commercial policies.

Why the Oil & Gas Industry Has Stringent Insurance Guidelines

Oil and gas work spans high-hazard environments, multi-party worksites, and long supply chains. Blowouts, H₂S exposure, fires, explosions, and environmental releases can escalate quickly, affecting nearby landowners and communities. Contracts such as master service agreements and joint operating agreements often prescribe minimum limits and endorsements to align risk transfer among parties. Regulators and lenders expect proof of financial responsibility, and site owners typically require certificates before granting access. Because losses can be severe and complex to settle, the industry relies on clearly defined coverages and elevated limits to protect people, property, and production.

General Liability Insurance

At the core of every portfolio is general liability. Drilling sites, refineries, and transport hubs pose third-party risks. A single spill or equipment strike can mean property damage, injuries, and legal defense. This coverage reassures partners and regulators that common hazards are addressed. In practice, it’s a baseline requirement to secure leases, vendor approvals, and project partnerships.

Pollution Liability Insurance

Environmental damage is a top concern. According to the U.S. EPA, cleanup responsibility after hazardous incidents can be costly. Pollution liability helps fund cleanup, crisis response, and regulatory penalties. For operators near sensitive ecosystems or residential areas, it’s essential to preserve compliance and community trust.

Commercial Property and Equipment Insurance

Rigs, pipelines, and tanks represent enormous capital. A lightning strike or wind event at a remote site can cause severe damage and downtime. Equipment policies address repairs or replacement; property insurance protects offices, warehouses, and yards. Typical considerations include:

• Protection against fire, wind, hail, and storm losses

• Coverage for specialized drilling and extraction gear

• Safeguards for tanks, warehouses, and supply yards

• Options for temporary structures and mobile equipment

Companies in storm-prone or isolated regions especially benefit from policies that address both natural catastrophes and unexpected breakdowns.

Workers’ Compensation and Employer’s Liability

The sector’s injury rates exceed many industries. A comprehensive workers’ comp policy ensures injured employees receive care while limiting employer exposure. Employer’s liability extends protection for certain suits beyond medical costs. Together, they demonstrate a commitment to crew safety and operational continuity.

Additional Coverages to Consider

Beyond core policies, energy operations often need targeted protection that speeds recovery when the unexpected occurs.

• Business interruption for income loss during covered shutdowns

• Inland marine for tools and equipment in transit

• Cyber liability for digital monitoring and remote operations

• Umbrella liability to increase limits across primary policies

Insurance is more than a compliance checkbox for energy businesses; it’s a foundation for stability in a volatile sector. With the right combination of liability, property/equipment, and specialized protections, Texas oil and gas companies can manage risk, maintain site access, and protect years of investment.

Most Important Insurance Requirements for Texas Business Owners

Running a business in Texas brings both opportunity and responsibility. One overlooked responsibility is carrying the right insurance. Without protection, even small setbacks can create major financial challenges. From state mandates to industry-specific risks, owners should know which commercial insurance policies are required and which are simply smart. 

Workers’ Compensation

Unlike many states, Texas does not require most private employers to carry workers’ comp. But opting out removes important lawsuit protections and can expose owners to direct injury claims. The Texas Department of Insurance explains non-subscriber obligations and risks. In higher-hazard roles, the long-term risk often outweighs short-term premium savings.

Commercial Auto Insurance

Texas requires financial responsibility for vehicles used in business. If your company uses delivery vans, service trucks, or regular driving to job sites, commercial auto liability insurance is essential. Even when staff use personal cars for errands, a hired and non-owned auto liability policy can help protect the business after a crash. Review who drives, how often, and for what tasks, then set limits accordingly.

General Liability Insurance

Not mandated by statute, but commonly required by landlords, lenders, and contracts. General liability covers third-party injuries, property damage, and legal defense—think a customer trip on a storefront step or accidental damage at a client site. In practice, it’s a baseline requirement to secure leases, vendor approvals, partnerships, and larger projects, while also reassuring clients that your business operates responsibly, carries adequate protection, and can respond effectively when unexpected issues arise.

Property Insurance + Business Interruption

From Gulf Coast hurricanes to West Texas hail, natural disasters can halt operations. Property insurance helps repair buildings, replace equipment, and restock inventory. Pair it with business interruption coverage to replace lost income during closures.

Typical property coverage includes:

• Wind, hail, fire, and storm protection

• Coverage for equipment and stock

• Safeguards for offices and warehouses

• Options for temporary or mobile structures

Common Optional Coverages

Beyond the core policies, many Texas businesses benefit from additional protections. These optional coverages are not legally required but often address modern risks, contract expectations, or industry-specific exposures. Adding the right mix can help close coverage gaps and strengthen resilience.

• Cyber liability for data breaches

• Professional liability (E&O) for advice-driven work

• Employment practices liability (EPLI) for HR claims

• Umbrella liability to extend policy limits

Missing or Insufficient Coverage FAQ

Q: What happens if I skip workers’ comp in Texas?
A: You may save premiums, but you lose legal defenses and face direct liability for injuries—one claim can exceed years of premiums.

Q: Is basic general liability enough?
A: Often not. Contracts may require higher limits, and verdicts can exceed base caps. An umbrella can close the gap.

Q: Does property insurance cover downtime?
A: No. Property insurance repairs damage; business interruption replaces lost income during covered closures. Every Texas business has unique risks, but certain coverages rise above the rest. From workers’ comp and commercial auto to liability and property, thoughtful coverage supports resilience and long-term stability.

5 Important Ways Independent Insurance Agents Simplify Policy Decisions

When you’re shopping for insurance, the policy itself shouldn’t be your only consideration. Independent insurance agents offer unique benefits, and they can help you find quality coverage for a fair price.

The world of insurance is notoriously complicated, and independent insurance agents can also help you keep things simple and straightforward. Here’s a closer look.

1. They Offer Unbiased Recommendations

When you work with a major insurance company, the agents assisting you are “captive” insurance agents. This means that they work exclusively for one company. Their job is to sell you a policy from their employer, and if another carrier has a policy that would better suit your needs, a captive insurance agent isn’t going to tell you.

With an independent insurance agency, the experience is different. Independent insurance agencies partner with multiple insurance carriers. This means that an independent insurance agent can help you compare policies from different companies. Because your agent works for you — and not for an insurance company — you can count on receiving unbiased advice.

2. You Won’t Have to Shop Around for Quotes

If you’ve ever looked for an insurance policy yourself, you may have reached out to several carriers for quotes. This process can be tedious, and in some cases, an insurance company won’t give you a quote without also giving you a sales pitch.

When you work with an independent insurance agent, there’s no need to spend hours gathering and comparing quotes. After discussing your needs and budget, your agent can find quotes and help you make a selection.

3. They Know the Local Market

When you work with an independent agent, you’re not on the phone with someone in an office hundreds of miles away. More often than not, independent agents are members of your local community. They understand the unique risks you face, so they can help you make the right coverage decisions for your needs.

4. They Build Long-Term Relationships

Many people who work with independent insurance agents don’t just purchase a policy as a one-off. Instead, they form lasting relationships, consulting their agent each time they need to update their coverage or buy a new policy. When your insurance agent has a thorough understanding of your history and your insurance needs, they can make accurate, efficient recommendations.

5. They Serve as Your Advocates

When you file a claim with a major carrier, a captive insurance agent can walk you through the process. However, because these agents are employed by the insurer, you can’t count on them for objective advice. 

Your independent agent works for you, so when they guide you through the process of filing a claim, you can be assured that they have your best interests in mind. Your agent may also advocate for you with your insurance company, making it more likely that you’ll receive a fair settlement.

Ready to Find the Right Policy?

Whether you’re trying to insure your car, your home, your health, or something else, choosing the right coverage is critical. When you have the help of an independent insurance agent, protecting yourself and your loved ones doesn’t have to be complicated.

How Independent Insurance Agents Simplify Risk Management

Whether you’re a business or an individual, buying insurance isn’t just about finding the lowest premium. It’s about knowing that your company — or you and your family — are adequately covered for whatever risks lie ahead.

That’s where working with an independent insurance agency comes in. An independent agent takes a comprehensive, personalized approach to constructing a strategy that simplifies your risk management.

An independent insurance agency takes you beyond simply insuring against risks. Your agent proactively manages risks.

Here’s how an independent agent’s holistic approach simplifies risk management for you.

What Is an Independent Insurance Agent?

An independent insurance agent is a licensed professional who is your ally in the complex world of insurance. They represent multiple insurance carriers and work with you to find the right insurance that fits your needs at a reasonable price.

Unlike captive agents, who exclusively sell the insurance products of one insurer, independent agents can choose from a broad range of carriers to customize coverage to your needs. 

Understanding Your Risk Profile

Your independent insurance agent is a trusted risk advisor who takes the time to get to know you and your business to learn about your risks and exposures.

Unlike a captive agent, an independent insurance agent takes a holistic view to evaluate your life or business operations to identify risks.

These agents do the following:

• Conduct a thorough assessment beyond the standard to uncover potential risks and vulnerabilities that others might miss

• Review your operations or lifestyle to understand how they might impact your insurance needs

• Tailor your risk mitigation strategies to reduce premiums

• Forecast future needs that may arise as your business grows and your family changes

• Develop a strategic roadmap for your insurance needs

This approach can give you the clarity to see how you or your business is safeguarded today and in the days ahead.

An Independent Insurance Agent’s Process

Independent agents simplify risk management by following a process that builds a relationship with you. They become trusted risk advisors by offering personalized advice and strategies.

The process varies, but it can look like this:

• Initial Consultation: An agent takes the necessary time to learn about you or your business

• Risk Assessment: They take a deeper dive to root out all potential risks

• Submission for Insurance: Understanding your risks, an independent agent submits details to insurance carriers

• Proposed Insurance Presentation: They walk you through and thoroughly explain the best proposals for your coverage

• Policy Selection: Once you make a selection, your independent agent will handle the paperwork for you, and you’ll receive your policy documents

• Ongoing Support: The relationship is just beginning once you have insurance — your agent is available to answer questions, advocate for you with claims, review your policies before renewal, and change coverage, if necessary

Your independent insurance agent’s comprehensive, personalized approach to risk management can save you time and money and give you comfort in knowing you have the appropriate insurance coverage for you and your family or business.

Independent Agents Simplify Risk Management

When you work with an independent insurance agent, your risk management is simplified because your agent takes a holistic approach to identifying potential risks, finding you sufficient insurance against those risks, and proactively helping you manage them.

Protect Your Ranch With Farm Insurance That Works

If you own a ranch, you want to safeguard your family, property, and livelihood from ruin by a major financial loss. That means you need more than just any farm and ranch insurance policy — you need one that works.

The right farm and ranch insurance for you is tailored to the specific needs of your operation. Whether you’re raising cattle, horses, or sheep for market, an independent insurance company can build you a policy customized for a 200-acre ranch, a 5,000-acre ranch, and everything between and beyond.

Through careful consideration, you can select the farm and ranch insurance that meets your needs and risks. You can protect your investment and operation by working with an insurance agent who knows agricultural insurance and can help you understand the right coverage options for you.

What Is Farm and Ranch Insurance?

Farm and ranch insurance is a comprehensive package of coverage to guard against your personal and business risks on a ranch. That can include protecting against financial loss from natural disasters, accidents, and unforeseen events that could cause losses in property, equipment, livestock, liability, and employees.

Farm and ranch insurance can cover:

• Farm Dwelling: Your home and its contents

• Farm Structures: Barns, silos, outbuildings, and other structures

• Farm Personal Property: Machinery, equipment, tools, and irrigation systems

• Liability: For both your premises and products

• Livestock: Loss from death, theft, or disease

• Crops: Loss from natural disasters, pests, and other unexpected events

• Equine Insurance: For the specialized needs of horses

An independent insurance agent can also help you with optional coverage for product liability, pollution liability, and business interruption.

Understanding Your Risks

Getting the right farm insurance coverage starts with understanding your risks. While ranches can be different, some common risks are:

• Property damage

• Work injuries

• Equipment breakdown

• Loss of livestock

• Crop losses

• Liability claims

A typical homeowner’s or business policy may not cover the risks you may encounter on your ranch. Working with an independent insurance agency can help you identify risks specific to your ranch.

Home Insurance vs. Farm Insurance

To safeguard your family, property, and livelihood, it’s crucial to understand the difference between a farm and ranch policy and a homeowner’s policy. Here’s a look at the coverage from both types of insurance to help you understand which you might need.

Homeowner’s insurance may cover:

• Your home and possessions

• Personal liability

• Outbuildings and structures

Coverage for outbuildings and structures may be limited by their size and use.

Farm and ranch insurance may cover:

• Your home and possessions

• Personal liability

• Farm liability

• Outbuildings and structures

• Building materials and supplies

• Machinery, equipment, and tools

• Livestock

• Products

• Fields and vineyards

• Fences and corrals

• Equine liability

Knowing the risks of your operation can help you avoid being underinsured and surprised at claims time.

Find the Right Independent Insurance Agency

To get farm and ranch insurance that works, you should consider working with an insurance agent who knows farms and ranches. Look for a professional who:

• Specializes in farm insurance

• Customizes policies

• Provides strong claims support

• Understands your region

• Communicates clearly

An independent insurance agent with experience in farm and ranch insurance can help you properly assess risks, tailor a policy to your operation, and support you if you have a claim.

The Benefits of Annual Insurance Policy Reviews

Many policyholders inadvertently take a stance of “set it and forget it” when it comes to insurance. That’s entirely understandable. Still, independent insurance agents recommend checking your policies’ terms, conditions, and language at least once a year. This helps to verify that your coverage levels still meet your needs.

Here are a few ways annual insurance reviews can improve your status.

Understanding Coverage

Many policyholders leave their insurance coverages intact with little to no changes, especially with life, disability, and title insurance. But solid independent insurance coverage isn’t stuck in time. Benefits and limitations that were adequate five or ten years ago may not be enough today. 

In other cases, old insurance policies may not be necessary anymore. Taking a look every year to account for changes in benefits, exclusions, and limitations can help simplify your coverage and potentially save on premiums.

Life Changes

Marriage, childbirth, buying a home, starting a business, retirement, and other life changes can reframe your entire situation. They may also introduce new insurance needs. 

A new home might have significantly different features or construction that must be addressed. Growing a family may result in the need to improve your life coverage. Reviewing your policy every year to make sure it reflects your stage in life can enhance your protection and instill peace of mind.

Overlaps and Gaps

Your insurance coverage may have gaps or insufficiencies that could leave you vulnerable in case of a claim. On the other hand, you might find multiple policies covering the same risk, making them redundant and needlessly expensive. 

Eliminating these coverage lapses and duplicates can streamline your insurance portfolio, giving you the protection you need for less money. An annual review can expose these insurance shortfalls.

New Products and Discounts

Independent insurance agents always seek new ways to serve their clients better. As technology evolves, they may offer unique cyber protections for your home or business. Agencies may offer discounts for safe drivers or new bundling arrangements. When you review your coverage every year, you can take a closer look at some of the new products and strategies to determine whether they can upgrade your policy.

Adequate Liability Coverage

A liability lawsuit can undo your entire financial well-being. It’s essential to review your current liability coverage as it correlates to your net worth and future earnings. Checking up on exclusions, limits, conditions, and scope of coverage can be a crucial step in preserving your financial health.

Timing Renewal

Lastly, most insurance policies across all areas are built with one-year terms. An impending renewal date is a good justification for reaffirming that your coverage needs are still being met.

An Annual Review Can Provide Protection

You can never be too informed about your insurance coverage. Scheduling an annual review can help maintain adequate coverage and uncover areas where you can save money. You can do so in consultation with your independent insurance agency to make sure your plan is still solid. Just a few minutes of reading today can extend your protection well into the future.

How Independent Insurance Supports Long-Term Client Relationships

Insurance may not seem like the most monumental decision when you’re shopping for it, but when problems strike, whether you have insurance in place and how good it is can make a huge difference in how well you recover. 

Almost anyone would agree that nothing is more important than your family, your home, and your business. Ideally, insurance is meant to protect them. That’s why it’s more than just a transaction — it’s about finding a trusted partner who understands your personal situation and can keep what matters most safe for the long haul. 

You might not associate insurance with feeling heard and valued, but the way insurance is structured and offered can actually play a big role in fostering that kind of relationship. The independent model offers some distinct advantages in this area. 

The Power of Personal Choice 

An independent insurance agent works differently than a “captive agent,” who represents only one specific insurance company. Independent agents partner with numerous carriers, so they can offer you a wider variety of products. 

What does that mean for you? Way more choice. Your agent can shop around for you and compare coverage options and pricing from multiple reputable companies to find solutions that align with your needs and budget. Their advice is centered on your best interests rather than being tied to an incentive to promote one specific company.

Best of all, an independent agent helps establish a strong foundation of trust from the start, so you can feel more confident that their guidance is coming from a good place. 

Advice That Adapts to Your Life’s Changes 

Life, by its very nature, isn’t static. There’s the good and the bad. You might buy a new home, have a child, start a business, or see kids grow into teens who then join the family policy. You might also experience a natural disaster, a theft, or another kind of unexpected loss. The only thing you can count on in life is change. It’s inevitable. 

Your insurance policy can’t be static, either. It needs to naturally evolve along with your life. A key benefit of working long-term with an independent agent is that they can actually adapt with you. Because they aren’t bound to one carrier, they can proactively review your coverage as your circumstances change. 

If your current policy isn’t the best fit anymore, or if better options crop up at renewal time, they can look into alternatives for you without forcing you to start the search all over again. Having the ability to pivot as needed allows your independent insurance protection to keep pace with your life and actually cover what you need most. 

You Don’t Have to Go It Alone: Having an Ally in Your Corner for the Claims Process 

If you’re going through a personal loss, you’ll have to contend with filing an insurance claim. This might feel like the last thing you want to do on top of scrambling to adapt to a sudden change. 

Working with an independent insurance agency can ease this necessary hurdle, as they typically serve as your advocate during the claims process. 

In the end, choosing an insurance partner is about much more than just coverage. With the independent insurance model, you’ll find guidance, choice, and support for the long haul.

Discover Custom Solutions From a Professional Independent Insurance Agent

You want and deserve the best insurance coverage to safeguard your home, life, business, and auto. You can get that from a professional independent insurance agent.

An independent insurance agent can custom-fit insurance to your specific risks, similar to a tailor creating a dress or a suit for you. Just as you don’t want to pay for extra material and features that don’t fit well, you don’t want to pay for an insurance policy off the shelf with extra coverages you don’t need or want.

You can discover the custom coverage for your situation by talking to an independent insurance agency.

What Is an Independent Insurance Agent?

Independent insurance agents are licensed professionals who sell insurance from many insurance companies. This gives them the freedom to compare and select the best coverage for your needs.

Since they don’t work for a single insurance company, these agents have a broader view of the insurance industry’s products and services. This translates into the best policies and rates for the coverage you want.

Delivering Custom Insurance

An independent insurance agent builds a custom insurance policy you can count on by forming relationships with you and multiple insurers and cultivating deep knowledge and experience about insurance and the industry.

Here’s how you can get insurance tailored for you:

Working With Multiple Insurers

As independent insurance representatives, agents who don’t work for a specific insurer maintain relationships with multiple insurance carriers. This independence gives agents the ability to shop around for the best coverage options and rates. They can combine different aspects of policies to provide you with the coverage you want.

Providing Personalized Services

The representative of an independent insurance agency is focused on you, not the latest insurance products a company is pushing. An agent can take time to learn about all your insurance needs and you and your family. 

Through this care and insight, an agent can understand your circumstances, delivering more personalized advice and support. This goes beyond selling you a policy. Agents can also advocate for you, explaining the complexities of insurance, helping you file claims, and monitoring changes to adjust your coverage when needed.  

Customizing Coverage

You don’t want to pay for more coverage than you need, but you also want to know that you have enough coverage. Your agent can build home, life, business, and car insurance policies to cover your unique needs and concerns. The agent may pull together coverage from various insurers or add riders or endorsements to cover your concerns. 

Building Relationships

Since they work by themselves, representatives in an independent insurance agency make it a priority to get to know you and maintain a relationship. This gives you a professional agent to answer your questions, explain the details of your coverages, and check whether your coverages are still appropriate.

An independent insurance agent is the intermediary between you and insurance companies who can deliver customer insurance policies.

Independent Insurance Agents Work for You

A professional independent insurance agent can tailor insurance to your specific needs. But the agent’s value goes beyond a custom insurance policy. This is someone who understands the risks you want to guard against and is there to safeguard your financial well-being.

Powerful Reasons to Choose Independent Insurance Over Big Providers

Insurance helps you plan for life’s curveballs, but choosing the right provider doesn’t have to mean settling for a one-size-fits-all approach. While big insurance companies promise reliability, independent agents bring something different — they focus on you, not the company. 

With an independent insurance agency, you get tailored solutions, competitive pricing, and personalized attention — things that often fall by the wayside in the hands of massive corporations. Here’s how their approach is different from big providers. 

Personalized Service

A key benefit of working with an independent insurance agent is the personalized service they provide; they’ll often take the time to understand your unique situation.  

With that deep understanding, they can craft coverage tailored to your precise needs — including endorsements for equipment storage or adjusting deductibles based on your cash flow. On top of that, they help you review the policy regularly, so when life circumstances change, you’re ready to go with a different coverage.

Large providers, on the other hand, tend to place an emphasis on efficiency over personal touch. Their systems may default to standard packages that can leave gaps in your coverage or include add-ons you don’t need.

More Options and Better Coverage

Independent agents aren’t tied to a single company so they can shop around and compare policies from multiple carriers. That gives you many more options when it comes to rates and coverage. 

For example, if you need specialized protection for a home-based business or coverage for a rare medical condition, an independent agent might locate a carrier that fills those gaps. That’s something that big-name providers’ limited in-house options often can’t do.

Independent agents can weigh factors such as premiums, deductibles, and policy limits to find the best balance, not just the easiest option. Another benefit is that this shopping process often leads to better pricing, as the agent can help negotiate on your behalf to secure discounts or favorable terms. 

Conversely, large providers are often limited to their own product lines. Their “one-size-fits-all” approach might leave you overpaying for unnecessary coverage — or missing protection that really matters. Independent insurance agents give you more freedom, letting you pick the solution that works best for your budget and risks; you’re less likely to be confined to a single company’s offerings. 

Long-Term Relationships

With independent agents, you can trust that they focus on building real, long-term partnerships and not just closing a sale. Unlike big insurers, where you’re often stuck with automated calls or rotating representatives, an independent agent can often become a trusted advisor who sticks with you over the years. 

They can get to know your history, such as past claims, coverage changes, and major life events, allowing them to anticipate your needs and act proactively. You can save time and build trust because you don’t have to keep re-explaining your situation every time you need help.

The Right Insurance Comes From the Right Partner

Big insurance providers come with name recognition and streamlined systems — conveniences that feel reassuring in a complex world. But they come at a cost: the loss of the human touch. An independent agent is worth the investment because they provide open conversations and a long-lasting relationship. You can place your trust in their expertise instead of in a familiar corporate logo. 

Top Tips for Finding an Independent Insurance Agent

Choosing the right independent insurance agent for all your needs is essential to protect your interests and save you time and money. While there is no shortage of choices available, thanks to the magic of the internet, that same proliferation of available agents can leave you feeling overwhelmed. 

So how do you choose the right independent insurance provider for your home, auto, and business?

Understand What an Independent Insurance Agent Does

There are two types of insurance agents: independent agents and captive agents. An independent insurance agent represents multiple companies and can provide various quotes from numerous companies. 

On the other hand,  a captive agent represents one insurance company (for example, Allstate, GEICO, or State Farm) and can only sell plans and policies from that company. 

Consider Referrals First

First and foremost, consider obtaining referrals from your friends and family before going on a wild goose chase on the internet. Has a trusted family member used a reputable independent insurance agency and gotten great results? They can be the key to securing a new provider for you.

Check Out Online Reviews

If referrals from friends and family do not yield results, research different insurance agencies online. Pay close attention to the agency’s online reviews. While an agency can respond to customer reviews, it cannot have them deleted, which means these reviews are unflinchingly honest and invaluable to you, the customer.

Make Sure the Agency Provides the Coverage You Need

While many independent insurance agencies offer several types of coverage, some only offer one type (such as car insurance, boat insurance, or homeowner’s insurance). Before contacting an insurance provider, confirm they offer the coverage you need.

Verify Credentials

Verify the agents ‘ credentials once you land on a potential new insurance agency. Ensure they have the necessary experience and licenses to provide you with the coverage you need. Agencies with more experience can answer any questions about your coverage with expertise.

Compare All Quotes and Coverage Options

Don’t just grab the first policy that is offered through any agent. Instead, get a series of quotes and coverage options and compare what is and isn’t offered in each one. This way, you can determine whether you are getting the most “bang for your buck” with your policy.

Communication and Customer Service Are Key

Effective communication is key when dealing with insurance matters. Choose an insurance agent who’s easy to reach, available during regular business hours, returns all customer calls and emails promptly and professionally, and can effectively explain complex insurance concepts.

Additionally, an insurance agent should be dedicated to your satisfaction as a customer. Take note of how a potential agent addresses your concerns, especially when clarifying doubts or overcoming objections.

Which Agent Is Right for You?

As a customer, you have your fair share of choices when finding an insurance agency that’s right for you. However, following these simple steps will ensure you have a mutually beneficial and long-term relationship with your independent insurance agency for years to come.

3 Tested Ways Independent Insurance Agents Excel at Flexible Policies

You’re not one to compare yourself to the Joneses, and there’s nothing about you, your family, your house, or your car that is exactly like your next-door neighbor. So you need insurance policies that fit who you are instead of cookie-cutter policies.

You can benefit from working with an independent insurance company to get the life, health, auto, commercial, and other insurance policies you need to safeguard your family and business from financial harm.

Independent insurance agents do all the groundwork for you so you can get flexible policies to meet your needs through a process that is simple for you.

Here are the three ways independent insurance agents excel at delivering flexible policies.

1. Providing Personalized Service

Captive insurance agents work for one insurance company. They likely are great people, but the quotas and goals they must achieve for their corporate bosses may keep them from focusing on your needs.

Agents at an independent insurance agency work for themselves and often live and work in your area. The success of their small independent insurance business relies on how well they listen to you and take care of your insurance needs.

You can sit down one-on-one with an independent insurance agent, discuss your insurance needs without any rush, and walk away with insurance policies that can safeguard your family and business from financial ruin.

1. Delivering More Choice

Independent insurance agents don’t work for just one company like captive insurance agents. An independent agent works with multiple insurance carriers, allowing them to connect you to different companies.

This provides you flexibility in a couple of ways. You can compare premiums and coverage of several carriers for different options, and you can buy policies for your home, auto, health, life, and business from any of the companies through your independent insurance agent.

Agents in an independent insurance agency also know well the carriers they work with. They can pull parts of insurance policies together from these carriers to build a policy that offers that coverage you want.

1. Offering Objective and Experienced Advice

Independent insurance agents are licensed professionals. They have a deep understanding of the insurance industry, experience with multiple insurance carriers, and knowledge about all the insurance products offered by those carriers.

Since they aren’t held to meeting a goal to sell particular insurance products, independent insurance agents don’t have a bias toward pushing one product over another. Your agent can give you the truth about every product from all the insurance carriers.

In much the same way a financial advisor has your best interests at heart, an independent insurance agent looks out for you.

An Independent Insurance Agency Means Choice for You

When it comes to safeguarding your family, property, and business, a one-size-fits-all solution simply won’t do. You need flexibility — the ability to choose the types of coverage you need to fit your life. 

The independent insurance company in your neighborhood has personalized service, numerous choices, and objective advice to deliver the flexibility you want in your insurance policies.

How to Compare Captive and Independent Insurance Agents

Choosing the right insurance agent is just as important as knowing the coverage you need. Someone who understands and aligns with your goals is a great partner to have. When it comes to insurance, two types of agents are available to you: captive and independent insurance agents.

The two may have several traits and offerings in common. However, there are significant differences between a captive and an independent insurance agency. How do they compare, and which one is better aligned with your unique needs?

Captive Insurance Agents

A captive insurance agent is employed by a single insurance company. They only offer products their company exclusively provides.

Some policyholders prefer captive agents because they’re familiar and comfortable with the brand. They may have an enduring reputation for quality service. Since they focus only on the products their companies offer, captive agents are often well-versed and skilled at explaining the company’s options and claims processes.

However, that focus can also be a limitation. By only offering products their companies endorse, they may be unable to customize the kind of coverage you need — especially if it’s markedly different from that of typical insurance customers.

Independent Insurance Agents

An independent insurance agent represents multiple insurers. They focus on their clients’ needs and shop around different companies to build comprehensive insurance plans.

This arrangement allows independent agents to compare coverage options and premiums to find the best deal for policyholders. They have a lot of flexibility to work with a wide range of insurance providers.

An independent agent is especially skilled at building personalized insurance plans that meet the diverse needs of their client base. While this may require launching policies with more than one insurance company, it’s likely to cater to the assorted and divergent needs of a wide range of policyholders.

How They Compare

Differences in the approaches of captive and independent insurance agents include the following.

Range of Products

Captive insurance agents specialize only in the products their employers offer. Independent insurance agents draw from multiple insurance companies to make specialized plans that fit their clients’ needs.

Insurer-Client Relationships

Captive agents maintain long-term relationships with their clients to drive brand loyalty. They’re attentive to each client’s needs but are ultimately bound by their obligation to the single company they work for. Independent agents are devoted to their clients first, seeking to build comprehensive policies that meet their customers’ objectives.

Pricing Structure

A captive agent is exclusively tied to their company’s pricing model, which could include unexpected fees. An independent agent has the bandwidth to compare several companies to line up the best bargain for their client — possibly saving them a bit of money.

Captive vs. Independent Agents: What Works Best for You?

Both kinds of insurance agents can be beneficial. You may feel more comfortable with a captive agent representing a steady, time-honored company with decades of success. But if you’re looking to get wide-ranging coverage for multiple needs, an independent insurance agent may be able to craft a unique policy and offer a better deal at the same time.

How Does Independent Insurance Offer You More Flexibility?

Modern consumers enjoy freedom of choice. They appreciate customizable solutions and the ability to choose from a variety of options. In almost every industry, one-size-fits-all offerings simply don’t fly with customers.

That’s especially true with the insurance industry. Every policyholder’s needs are unique and specific to their situation. Thus, policyholders seek flexibility when it’s time to protect their families and possessions.

More consumers are turning to independent insurance agents for this flexibility. Unbound from serving one insurance company, independent agents can develop custom plans that better suit their clients than those offered by traditional companies.

How does an independent insurance agency offer more flexibility to its customers? Here are just a few ways.

They Work for Your Interests

Corporate insurance companies aren’t all heartless and uncaring toward their customers. However, these companies set certain benchmarks and sales targets for employees to follow. As agents scramble to meet quotas and arbitrary milestones, they struggle to focus on what their clients need the most.

In contrast, an independent insurance agency serves as an advocate. Because they are not held captive to a larger corporate initiative, independent insurance agents are free to build coverage solutions that cater to their clients’ needs. They may have general business goals, but they won’t accomplish these goals if they don’t prioritize their customers.

An independent insurance agent should take the time to learn what your exact coverage needs are. This approach favors the spirit of innovation and consideration rather than set-in-stone business goals.

They Represent Several Companies

Independent insurance agents do not work for one insurance carrier; instead, they develop working relationships with multiple carriers. This allows them to connect their clients with a wide range of established companies. They are not locked into offering uniform solutions from a single corporation.

With access to a variety of carriers — and to all of the options these carriers offer — independent insurers allow clients to compare options like the costs of premiums and levels of coverage from many different companies. 

Independent insurers can set clients up with policies from multiple carriers to cover their home, auto, medical, or business insurance needs. They know which insurance companies are better for certain situations and can craft a package that covers them all.

By not being committed to single entities, independent insurance agencies can pull the best parts from each carrier to make policies that cover their clients more completely.

They Offer Objective Advice

Corporate insurers often make suggestions tied to the products they provide. That’s fair if the goal is to generate more profit, but it can affect the quality of the advice they give to prospective clients — and it’s not pertinent to each client’s unique needs.

Independent insurance agents are, in general, free from bias. They know what products their affiliated companies offer and the needs they fill the best. Since they have the freedom to use several carriers instead of just one, they can provide the straight truth about the solutions that may work the best.

Independence Means Choice

Corporate insurance companies may offer strong products. However, an independent insurance agency has the room to provide more choices. That allows them to give their clients more flexibility in their insurance options, which is exactly what clients want.

How Independent Insurance Agencies Offer the Absolute Lowest Rates

There’s insurance you’re required to have by law and insurance you want to safeguard you, your family, and your assets. Auto, home, health, life, and commercial insurance can get complex — and expensive — quickly.

An independent insurance agency can simplify things for you, helping you find the coverage you need and want at the lowest rates.

Why Independent Insurance Agents Offer the Lowest Rates

Independent insurance agents want to earn and keep your business, so they put your interests first. Here’s why that focus on you means the absolute lowest insurance rates possible.

Working With Multiple Carriers

Independent insurance agencies work with many different insurance companies. When you tell an independent insurance agent your needs, they can begin comparing quotes from multiple carriers simultaneously.

The carriers know the agent is comparing coverages and costs to find you the best deal. Contrast this with a captive agent, who sells a single company’s insurance and can’t offer you other options. The competition an independent agent creates by comparing multiple carriers’ quotes helps drive the quality of your policy up and the price down.

Tailoring Your Coverage

If you’ve ever read through your insurance policy and wondered if all the coverages were necessary, you’re not alone. Captive agents want to sell you policies that meet their company’s quota or earn them the highest commission, but these policies might not be well-suited for your needs.

Independent insurance agents are well-versed in insurance. After taking the time to learn about your circumstances and preferences, they can explain and weed out coverage options, helping you find a policy that’s tailored to you. You can save money by only paying for the insurance you need.

Understanding Your Market

You have a good chance of finding an independent insurance agent that lives in your community. Many independent agents work in the communities where they grew up or have lived for a considerable amount of time. That works to your benefit.

An agent who understands your community’s climate and weather, traffic, and other risks can factor those risks into your home, auto, and other insurance needs better than an agent who lives elsewhere. Understanding your risk environment can keep you from paying for insurance that might not be appropriate for your region.

Seeking Out Discounts

Your insurance agent should be looking for every way you might qualify to lower your insurance premium. Ask your agent to review your policies for possible discounts for vehicles and vehicle equipment, homeownership, auto-payment and early renewals, education, and more.

One often overlooked avenue is group discounts, such as those for a professional group, fraternity or sorority, AAA membership, military service, or credit unions.

There are so many possible group discounts that it can be difficult to know where to start looking. An independent insurance agent will know that these discounts are out there and take the time to track them down for you.

Independent Insurance Agents Can Provide the Best Deals

Independent insurance agents can save you money in numerous ways, from comparison shopping to guiding you toward beneficial discounts. When you’re looking for auto, home, health, life, or commercial insurance, an independent agent can help you find a solid deal — and lasting peace of mind.

What Is the Difference Between Captive and Independent Insurance Agents?

Searching for the insurance you need to cover yourself and your family can be overwhelming. The terminology alone can often be enough to make you throw up your hands in frustration. Two terms that might cause you the biggest headache are “captive insurance agent” and “independent insurance agent.”

Before now, you may have thought an insurance agent was simply an insurance agent. But there are, indeed, different kinds of agents, and the distinctions between the two can mean quite a lot.

On that note, here’s a look at the differences between captive and independent insurance agents and how one might benefit you more.

An Independent Insurance Agent vs. Captive Insurance Agent

The most prominent difference between an independent insurance agent and a captive insurance agent is the number of insurance companies each agent works with.

A captive insurance agent, also known as a dedicated agent or exclusive agent, works for one insurance company and only sells the products of that company. A captive agent is paid a salary, commission, or both, and they also receive benefits. Captive agents receive support and training from their insurance company and can become extremely knowledgeable about the products they sell. However, their products may not meet your needs.

An independent insurance agent, in contrast, doesn’t work for any one insurer. They may work alone or as part of an independent insurance company, such as Garrett Insurance. In either case, they will serve as the middleman between you and the insurance firm, and they’ll earn a commission on the products sold. With access to many insurance companies and products at once, independent insurance agents can deliver policies that fit your specific coverage needs.

Benefits of Using an Independent Insurance Agency

Getting the insurance you need, instead of the one a captive agent needs to sell, is a great advantage that independent insurance agencies provide. Additional benefits of working with such an agency include the following:

Saving Time

An independent insurance agent can gather your information in just one telephone call and compare multiple quotes at once, saving you from calling or driving around town to collect quotes from several agents.

One-Stop Shopping

Working with an independent insurance agency means you can fulfill all your insurance needs (health, auto, life, commercial, etc.) in one fell swoop.

A Personal Advisor From Your Community

Independent insurance agents often live and work in your neighborhood, giving them a better understanding of your insurance needs. And since they do not have sales quotas to meet, they can spend more time answering your questions, helping you file claims, and advocating for you.

The Ability to Keep Your Agent

Over the years, your insurance needs will likely change, or your insurance company may drop your coverage. With an independent insurance agent, those circumstances are never an issue. Your independent agent can search multiple companies and find you another policy.

Building a Relationship

Over time, independent insurance agents not only get to know you but also learn about your family. That kind of long-term relationship can see to it that you have the right insurance at every stage of your life.

Independent Insurance Agents Look Out for You

Working with multiple insurance companies, independent insurance agents possess a broader view of the insurance industry and a deep knowledge of other companies. That puts them in the unique position of being able to help you get your insurance needs met and save you money in the process.

8 Great Reasons to Choose an Independent Insurance Agent

It may seem convenient to dial the number on your television screen of a large national insurance carrier. But how will you compare prices, coverages, and policy limits to ensure you’re getting the best deal?

Insurance can safeguard your family or business against financial disaster. That’s no small matter to leave to five-minute searches between dropping the kids off at school and rushing to work.

Instead, consider leaving your search to an independent insurance agency. Like a personal shopper — but for free — an independent insurance agent can compare multiple quotes and find you the insurance you need at a price that makes sense for you.

If you’re looking for auto, home, life, or commercial insurance, here are eight great reasons to choose an independent insurance agent.

1. Offers You More Choices

Independent insurance agencies typically represent five to eight different insurance companies at once. With just one call or visit to an independent insurance office, you can receive several quotes on coverage for you to choose from.

2. Saves You Money

The premium you pay for insurance is based on many factors, such as age, location, and coverage needed, so comparing how well a policy fits your needs is the only way to know you’re getting the best price. An independent insurance agent can compare multiple quotes all at one time to save you money.

3. Provides Experience and Knowledge

Independent insurance agents are licensed. They also have a broad view of the insurance industry because they work with multiple insurers, big and small. 

That knowledge and experience means an independent agent can find coverage you might not have been aware of and explain the often complicated aspects of insurance in plain language.

4. Works for You

Unlike captive agents who work for one large insurance company, independent agents work for you. The advice they give you is for the coverage you need, not to sell a policy from a particular company.

5. Understands Your Community

Chances are that you have an independent insurance agency right in your community. Often, an agency’s name can be seen in the outfield of a Little League game or stretched across a kid’s uniform. Independent agents live where you live, helping them better understand your insurance needs.

6. Serves as a One-Stop Shop

Your local independent insurance agency can often satisfy all your insurance needs. You can get your auto, home, life, and commercial insurance from one agent, which can often mean a better deal as well.

7. Advocates for You

Insurance is complex and often confusing. If you need to file a claim, an independent insurance agent can explain your coverage and options and help you with the filing. If the insurer drops you, your independent agent can help you find another policy.

8. Builds a Personal Relationship

Many independent insurance agents live where you live and shop where you shop. You can drop into their office, and they will take time to connect with you. They get to know you and your family over the years, which strengthens their ability to understand your insurance needs.

The Difference an Independent Insurance Agent Can Make

Independent insurance agencies can save you time and effort looking for the right coverage. They also take the time to get to understand you and your specific needs. As they stick by you through changing insurance carriers, independent insurance agents can become both lifelong insurance consultants and friends.

4 Reasons Independent Insurance Agencies Offer the Lowest Rates

Finding the right insurance is always harder than it sounds. You want a policy that covers everything you need, has a reasonable deductible, and isn’t exorbitantly expensive. If you’re like many people, you shop around with all the major carriers before making a choice.

But did you know that, more often than not, an independent insurance agency can give you a better deal? Here’s a look at why.

1. They Work With Multiple Insurance Carriers

You might be used to comparing quotes yourself before choosing an insurance policy. When you work with an independent insurance agency, your agent does the shopping around for you. 

These agencies work with multiple insurance companies so they can compare rates to find you the best possible deal on coverage that includes everything you need.

2. They’re Part of the Community

Often, independent insurance agents have grown up in the areas they serve — or are, at the very least, long-term residents. That means they’re familiar with area-specific risks and can help you choose a policy accordingly. 

For example, if you live in an area prone to tornados, your agent might be able to help you find a home insurance policy that may keep you covered in the event of tornado damage.

Independent agents are part of your community, so they have an interest in forming long-term relationships with their clients. That leads to unparalleled support and customer service.

3. They Can Find You Group Discounts

Group discounts are insurance discounts offered to members of certain groups or organizations. There are more types of group discounts than you might realize. These are some examples:

• AAA

• Military

• Certain credit unions

• Colleges and universities

• Professional trade organizations

• Mensa

• Some employers

There are so many possible group insurance discounts that it can be difficult to find every applicable one if you don’t know where to look. However, most independent insurance agents will take the time to find you every possible group discount.

4. They’ll Help You Through the Claims Process

When it comes to claims, insurance carriers prefer to pay out as little as possible. This means that when a company-affiliated agent helps you with a claim, they’re protecting the carrier’s best interests. 

They might explain how the filing process works, but if you’re leaving out something that could lead to a larger settlement, a company-affiliated insurance agent probably isn’t going to tell you about it.

However, independent insurance agents are not loyal to a particular insurance carrier — they’re loyal to you. If need be, your agent can walk you through the claims process and offer tips to maximize your claim.

Finding the Right Independent Insurance Agent for You

Now you know that you might just find your ideal policy with an independent agent. Bear in mind that just like major carriers, some independent agencies offer more coverage options and better service than others. 

When you take the time to thoroughly vet insurance agents before making your selection, you’ll be well on your way to a quality policy.

An Independent Insurance Agent Does the Shopping for You

How would you like to have a personal shopper — without having to pay extra for the service? With an independent insurance agent, that’s exactly what you get. An independent agent can shop around for the best insurance based on coverage and price, and you only pay your premiums, as you would for any insurance.

All you have to do is pick up the phone and call an independent insurance agency to provide personal details. The agent can then consider quotes from multiple insurance companies. This agent may also be able to find a deal that you couldn’t on your own. Take a closer look at how an independent insurance agent can benefit you in Texas and Kansas.

What Is an Independent Insurance Agent?

An independent insurance agent doesn’t work for one insurance carrier, but instead represents multiple insurers. By working with an independent firm, you get the convenience of an agent doing your shopping so that you can fulfill your insurance needs in one stop.

Within an independent insurance agency, your agent can take down your information one time and obtain quotes from multiple insurance companies for auto, home, and life insurance.

An independent agent is required by law to act in your best interests. Your agent gets paid by commissions from insurance companies, and commissions can vary. However, an independent agent should act ethically in presenting you with all options available for the coverage you seek.

Other insurance agents that work for one company are known as captive agents. Captive agents can only sell you insurance from the company they work for. You typically can also buy your home, auto, and life insurance with the insurer, but you’ll have to do your own shopping to compare quotes from other insurers. 

Benefits of Using an Independent Insurance Agent

An independent insurance agent may be more motivated to win and keep your business. This means you can get personalized attention from your agent. This agent can help you with:

• Understanding your rates and coverages

• Filing a claim

• Resolving issues that may arise with coverages

• Answering any questions you have

• Pursuing a better rate at renewal time

An advantage to buying insurance from an independent agent is that you can establish a relationship that can last even if you change carriers. An agent will get to know you and your family through working with you and understanding your insurance needs. 

So when a premium increases on renewal or your insurer drops your coverage, you can continue working with the same agent, who can then find you new coverage.

How an Independent Insurance Agency Works

Independent insurance agencies can give you access to most large insurance carriers, except State Farm, which doesn’t work with independent firms. Independent agents also work with small and regional insurance companies, broadening the types of insurance and coverages you might be able to find.

Have an Independent Insurance Agent Shop for You

Independent agents aren’t restricted to showing you options from a single insurance company. When you partner with an independent insurance agent, you can enjoy a wider range of options — and let them do the shopping for you.