When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not the same and it's important to understand the differences.

1.Captive Insurance Agents

A captive agent works for a single insurance company, either as an employee of that company or as an independent contractor. This means that a captive insurance agent will be limited to the specific insurance products offered by that particular company, so they won't be able to help you if you need a type of insurance they don't offer, or shop around to find the best deals on the market.

Keep in minds that the insurance company may also try and sell certain products, so there is no guarantee that you are truly getting what is best for you and not just what is best for the company.

2.Independent Insurance Agents

An independent agent is not controlled by any one insurance company and instead works with multiple insurers. What does this mean to you? This means independent agents have access to all of the insurance products and services offered by the companies they represent. They are not handcuffed to only one company.

As a result, it's often the case that an independent agent will be able to help you with all of the products you need, even if those products come from multiple insurance companies.

One of the perks is if you need to file a claim. We understand that sometimes it’s not always cut and dry, we’ll walk with you and work on your behalf throughout the process. We are always available to answer questions and we can regularly review your policy to ensure it is still the best possible fit for you.

Give us a call and see why Barrows Insurance Agency is your trusted advisor for all of your insurance needs.