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Independent Insurance Agents vs. Captive Agents

There are two primary types of insurance agents. “Captive” agents are employees of one insurance company and can only write policies for that company. This means they are limited to their company’s coverage plans.

BIG SWFL, however, are able to source from a variety of reputable national and local providers. We have the flexibility to offer a broader range of options at highly competitive prices, so you get a personally tailored plan to suit your needs and budget.

Best of all, we are able to offer unparalleled and unbiased advocacy to our customers, from quote through claims. As your needs and your life changes, you can switch coverage, and companies if necessary, without finding a new agent.

  • Gives you excellent service and competitive prices, because agents can access the insurance coverage from multiple companies.
  • Assists you when you have a claim.
  • Is your consultant, working with you to help explain the different types of insurance and determining your unique needs.
  • Offers you a choice of insurance plans and programs.
  • Is a “value hunter,” who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance.
  • Can periodically review your coverage to keep it current.

There are several ways to buy insurance, and you may not realize the benefits an independent agent can provide. For example, independent agents represent, on average, eight different insurance carriers and research these firms to find you the best combination of price, coverage, and service. Overall, customer satisfaction is the key to an independent agent’s livelihood. So, serving you is your independent agent’s most important job!

Some benefits and advantages of working with an Independent Sales Agent.

More Choices

When you work with an independent insurance agent, they can show you all the options from many insurance companies. This will provide you with many options to choose from and it will ensure that you find a policy that you like.

Save Money

When you look at different choices, you can generally find one that is quite a bit cheaper than the rest. The insurance agent will not try to make you focus on a particular brand or company and will instead be focused on helping you find the best deal.

Unbiased Advice

Independent insurance agents 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.

Help With Claims

If you have a trained professional working for you, instead of the insurance company, you will get a fair settlement that puts you back where you were prior to the loss.