Whether you operate a small business or a large organization, getting the most for your money is always important. Since your business needs business insurance, it makes sense to understand what options you have available when you purchase business insurance, primarily whether to purchase your insurance from an independent agent or a captive agent.

Understanding the Difference between an Independent and a Captive Agent
Many people do not recognize a difference between the companies they choose to purchase their business insurance from within Watervliet, New York. An independent insurance agent works for an agency that sells insurance products for many different insurance companies. A captive insurance agent sells limited products and services associated with only their brand. 

You Get Competitive Rates by Working with an Independent Agent
As a result of captive agents selling products and services created and priced by their business exclusively, your business doesn’t always get the best rate when you request insurance quotes. The quote you get is the established rate the company determined was fair for the product. 
Fortunately, with an independent insurance agent you get a competitive rate. Independent agents search the market for the best value for your business based on your needs. 

You Get Excellent Customer Service with an Independent Agent
For businesses, purchasing insurance means you need a working relationship with your insurance agent. Employee changes, changes affecting policy limits, and adding additional insurance products require communicating with your insurance agent on a regular basis. Independent insurance agents provide quality customer service during the sale and while maintaining your account; you are not simply an account, but a valued customer.

Ensure your business with the variety of insurance products offered by independent agents. By purchasing from them, you can get quotes, competitive rates, and quality service that lasts the duration of your working relationship.

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