What is an independent insurance agent?

March 27, 2013

You see it plastered all over our website: Burkhart Insurance Agency is an independent insurance agency. But what does that really mean, and why should it matter to you?

There are basically two kinds of insurance agents: independent agents and captive agents.

A captive insurance agent (a.k.a. direct writer) is employed by one insurance company and can only sell products from that one company. In other words, an Allstate agent can only sell products from Allstate, and a State Farm agent can only sell products from State Farm. As you can see, this model for helping connect people with the right insurance products is extremely limiting.

An independent insurance agent, on the other hand, is an insurance professional who is licensed to sell products from a variety of insurance companies. Unlike a captive agent who only represents one company, an independent agent can provide quotes from several insurance companies and provide guidance on which product is best suited for you.

For example, Burkhart Insurance Agency can provide comparative quotes from several trusted insurance providers, including Safeco, American Modern, Anthem, Progressive, Tavelers, and more.

While some independent agencies specialize in one type of insurance, agencies like Burkhart Insurance Agency specialize in several different types of insurance. So instead of working with one agent for life insurance and another for health insurance and another for home insurance, you can work with one agent who can help you find the best coverage and price for all these types of insurance and more.

It’s not hard to see why working with an independent insurance agent just makes sense. We work for you, not the insurance companies. Request a free quote or call us at 877-441-6106 to get started.

Our Featured Insurance Partners