Unlike working with a captive or exclusive agent, independent agents work for you, not for the company that currently underwrites your policy. That affords us a lot of flexibility with servicing your account.
When you represent only one company, the rules are pretty straight-forward. There is one company, one set of underwriting rules and one set of rates. This limits their ability to provide options. Independent agents work with multiple carriers allowing us to move your coverage when a better fit is needed.