What is an independent insurance agency?

Independent insurance agents typically represent a number of insurance companies, or “carriers.” Because independent insurance agencies work with many different carriers, they can shop around for the best policy at the most reasonable price.

Why would I use an Independent Agent over a national company (Geico, Allstate, State Farm, etc.)?

Some people think it doesn’t matter where you buy your insurance, and that price is the most important factor. You may think you’re saving money by using a national insurance company, but in reality, this could be costing you money, service and protection.

The best way to describe an independent insurance agent is to compare it to a travel agent. A travel agent finds you a flight that is most convenient for you, at the best price. An independent insurance agent does the same thing, but with no additional service fee. We shop around through multiple insurance companies for the most reasonable price and the best insurance coverage for you.

What your local agent does for you:

• Works directly with you on risk assessment, risk management and loss control activities.
• Typically, all service (claims, policy changes, etc.) are handled locally—directly at the agency.
• We make sure your policies have the best coverage at the best price, without gaps in coverage.
• We work for you, not the company.
• We do the shopping around for you. We obtain insurance quotes.
• We act as your intermediary when dealing with the insurance company. This includes communication with underwriters, the claim and billing departments and auditors.
• We negotiate policy terms and premiums.
• We can answer any coverage questions you may have.
• We work with companies to find coverage for new and emerging risks.
• We are your expert resource when you have a claim and can contact the company to get the claim process rolling. We can help you complete claim forms, keep you updated on the process, and ensure you receive a fair settlement.

It's our job to provide professional advice to help you manage your risk by protecting your current and future assets. We can review your account anytime throughout the policy term to ensure your products are responding to your changing needs.

Contact us today to get a second opinion on your current insurance program.

Information from Independent Insurance Agents & Brokers of America.