The Hartford

Why an Independent Insurance Agent?

Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service, and protection. Insurance is an important safety net for your family, your home, your car, or your business, and there is a difference in where you buy your protection. Many people don't realize, but there are three sources for insurance:

1. Captive Agents, who can sell you the insurance of only one company.
2. Direct Writing Companies, who can offer you the insurance of one company, and only on the telephone.
3. Independent Insurance Agents, who represent an average of eight insurance companies, and research with these firms to find you the best combination of price, coverage and service.

Your Independent Insurance Agent:

• Is a licensed professional with strong customer and community ties
• Gives you excellent service and competitive prices
• Unlike other agents, is not beholden to any one company; thus, you don't need to change agencies as your insurance and service needs change
• Assists you when you have a claim
• Is your consultant, working with you as you determine your needs
• Offers you a choice of insurance plans and programs 
• Offers one-stop shopping for a full range of products-home, renters, auto, business, life and health 
• Can periodically review your coverage to keep up with your changing insurance needs
• Treats you like a person, not a number

*Courtesy of the Independent Insurance Agents of America - www.iiaa.org