Broker vs. Agent

Why Choose a Broker Over a Captive Agent?

Captive agents are also known as company agents. They represent one insurance company. If their company does not offer the policy you need, then you have to get it somewhere else. A captive agent may work for an excellent insurance company, but he is still limited in what he can do for you.

An independent broker works with multiple companies. Our agency represents over one hundred companies. We have certain companies that we work with for the various different policies our clients may need. We can shop the market to find the combination of policies that fit your needs best. We can "mix and match" to make it "fit like a glove".

As independent insurance brokers, we are more than just another agency; we are consultants. We work for our clients rather than for insurance companies. We are committed to the highest standards of customer service. We want a long-standing relationship with each and every client.

Insurance Broker	Insurance Agent
A broker represents you and your needs.	An agent represents an insurance company, and usually, only one.
A broker can be an impartial advisor of your situation and recommend what best suits your needs.	An agent may be earning commissions to "write" certain types of policies. These policies may or may not be in your best interest.
Brokers have access to many types of policies from many different Insurance providers.	Agents usually only have access to policies from the Insurer they represent.
A broker can develop solutions based on your situation and needs.	An agent may not be able to offer complete isnurance solutions based on your requirements or situation.
A broker can save you time and in many cases, money.	An agent can only offer certain policies underwritten by the company he represents, and in many cases, you'll still need to shop for other policies you need.

Trust Darling Insurance, Your Insurance Broker, to help you get
the coverage you need!

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