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Why Work With an Independent Agent

Working with an independent agent gives you access to multiple insurers with a single point of contact. So, instead of calling multiple agents to get quotes, you work with a single agent who has your best interests at heart.

If you work with an independent insurance agency and decide to switch insurance companies, you can typically stay with the same agent. Plus, independent insurance agents don’t charge more to provide these services.

What Is the Difference Between an Exclusive Agent and an Independent Agent?

Exclusive insurance agents, also called captive agents, work with one insurance company. They can provide quotes for multiple insurance types but only from the insurer they represent. Exclusive agents are contractually obligated to sell one insurance company’s products.

Independent agents can choose which insurers to work with. They can provide quotes from numerous insurers and help you choose a company that best meets your needs.

What Do Independent Insurance Agents Do?

Independent insurance agencies work to identify the needs of their clients and shop for appropriate insurance among multiple insurers. They can have contracts with numerous insurance companies and help tailor policies to meet their clients’ needs.

Independent agents are experts that can help you understand your insurance options and meet requirements mandated by the state and your lienholder. They provide one-stop insurance shopping services and may provide access to multiple insurance types, including the following:

  • Auto insurance
  • Homeowner’s insurance
  • Renter’s insurance
  • Business insurance
  • Boat insurance
  • Life insurance
  • Health insurance
  • Umbrella insurance
  • Recreational vehicle insurance
  • Builders risk insurance
  • Professional liability insurance
  • Bonding
  • Agricultural insurance
  • Equine insurance

How Do I Find an Independent Insurance Agent?

ML Ruberton Agency in Hammonton, New Jersey, is an independent insurance agency serving the community. We specialize in personal lines, commercial lines and agriculture and equine insurance. Our agency also provides real estate services. Contact us today to get started building your personalized insurance plan.

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