You are currently viewing What is an Independent Insurance Agent?

Ever wondered what the difference is between the different types of insurance agents? Or did you even know there was a difference?

In the world of insurance, there are two types of agents, captive and independent. While both types are licensed to sell insurance, a captive agent can only write policies for the company they are selling for. An example would be an agent who sells insurance for a company like AAA Insurance. Then you have your independent insurance agent, like the professionals at Paradiso Insurance. 

The Benefits of an Independent Insurance Agent 

Okay, so why choose an independent agent? The biggest benefit to you as the insured is the options an independent agent can provide. Since we are not tied to just one carrier and work with multiple insurance companies we can shop your insurance to find the best solution for your insurance needs. Over and over again as those needs change and evolve. We can be there every step along the way. 

Working with an independent agent also provides you with much needed, unbiased advice. Advice that is needed to understand the coverages you need, and what is covered or not covered on your home, auto or business policies. 

Our insurance experts are very knowledgeable about the industry and the different companies that exist in the marketplace. They have worked with customers in the past and have a good idea of which companies have the best track record when it comes to pleasing their customers and or being fair to the clients. We can narrow your options down and help you choose between the best insurance companies in the market. 

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Your Own Claims Advocate

If you have an insurance claim on your policy, we are here to walk you through the process. Since we DO NOT work for any one insurance company, we do not have to go by the strict protocol that captive agents have to. Even though the insurance company will most likely send in an adjuster to look at your loss or insurance claim, you have an independent agent that will be working for you and with you. The insurance industry can be very complicated. There is a lot of technical jargon that is used which makes it very difficult for the average person to understand coverages. 

If you are not familiar with how the process works and or never been through such a process, it can be very overwhelming. It is our job and obligation to guide you through it. 

One of our agents in house on the phone talking and taking notes

What We Can Do For You 

We love what we do, but we understand that insurance may be something many people would rather not have to buy. That’s why we have a goal to provide a great and enjoyable insurance experience. While insurance may not top your list of favorite purchases, we believe you can still enjoy the people you’re buying it from!

Call us, stop by our Main Street office, or use the request form to find the best protection you can get at the right price.