What Are the Benefits of Working With an Independent Agent vs. a Captive Agent?

When you’re in the market for insurance, you have a few options for how to purchase it. One decision you’ll need to make is whether to work with an independent insurance agency or a captive agency. Here are some of the benefits of working with an independent insurance agency like Ricci Insurance Group:

Choice of insurance carriers: We’re an independent insurance agency representing multiple insurance carriers, which means we can offer you a variety of competitive options to choose from. This allows us to shop around and find the best coverage and price to meet your specific needs.

Unbiased advice: Since we aren’t tied to one specific carrier, our agency can provide unbiased advice on which insurance products will work best for you. Our team has no incentive to push one carrier over another, meaning we can focus solely on what’s best for you.

Flexibility: We’re a small business that can be more flexible and work with you to tailor coverage to your specific needs and are willing to adjust policies as your circumstances change.

Personalized service: Our agents provide more personalized service and will get to know you and your unique situation and work with you to find the best solutions.

Local expertise: Our team knows the community and understands the unique insurance needs of their area. We offer local knowledge and expertise that may not be available through larger, captive agencies.

The decision of whether to work with an independent or captive insurance agency will ultimately depend on your coverage needs and preferences. However, the benefits of choice, unbiased advice, flexibility, personalized service, and local expertise that come with working with an independent agency like ours make it a strong option for many.

At Ricci Insurance Group, we provide clients with various options for homeowners, auto, business, and life insurance needs. We specialize in working with small-to-medium-sized business owners, and real estate investors.

We’ve developed an entire business one referral at a time and are proof-positive that our clients trust and rely on us.

Need a quote for insurance now? Visit our website and click on “Get a Quote”, call our office at 904-710-2310, or email us at info@ricciinsurancegroup.com.

DISCLAIMER: This article contains general insurance information. Please refer to your policy language for exact coverage details or contact one of our team members for more information.