As an independent agency, we are not tied to one insurance company. We hold appointments with a range of personal and commercial carriers and place your coverage with the one that fits your situation best.
Carriers for homeowners, auto, umbrella, flood, jewelry, landlord, and specialty personal lines. Each carrier profile includes financial strength rating, customer satisfaction scores, claims data, who it fits best, who it does not, pricing context, and claims experience from an agent's perspective.
Carriers for business owners policies, general liability, workers comp, commercial auto, cyber, management liability, and specialty commercial lines. Each profile covers policy appetite, industry classes, revenue ceiling, admitted vs E&S status, and how they compare to alternatives.
Having appointments is one thing. Using them well is another.
We look at what you have, what you need, and what risks your current policy may not be covering. Most clients find at least one gap they did not know about.
Each carrier has a different appetite, pricing structure, and claims track record. We match your specific profile to the carrier most likely to perform well for your situation, not just the first one that qualifies.
We place the coverage and remain your agent. We re-shop at renewal, advocate on claims, and reach out if a better option becomes available.
Confused by terms like admitted carrier, surplus lines, or claims-made vs occurrence? See our complete glossary with plain-language definitions and concrete examples.
