With over 32-years in the insurance industry, I learned that many insurance agents are held captive to a single insurance carrier. These captive arrangements serve to pigeonhole both client AND agent into only one carrier offering. Where’s the competitive shopping in that? I created an independent agency representing several nationally and regionally branded carriers, which allows us to provide numerous OPTIONS for our clients with every quote package we run. NO captive/single carrier approach here; rather, we get an array of rates from numerous carriers who are all bidding to win your business. Then, every 4-5 years, we do it for you again: We re-quote you with all our carriers in an effort to reduce/re-set your rates by strategically moving you to a new carrier at just the right time. This allows my agency to establish long-term relationships with our clients that’ll last decades…not just a few years.
~ Jim Steed, Agency Owner