Your independent insurance agent works for you, not for us. Your independent insurance agent will match you with the insurance company and insurance coverage that best fit your needs. We hope that we will always be the insurance company that your independent insurance agent selects for you, but that decision is between your independent insurance agent and you.

A Trusted Adviser

Many people buy their insurance from other types of insurance companies directly, online, and without the service of an independent insurance agent. You can find a do-it-yourself movement in most areas within the financial services industry, from people who buy and sell houses without using a real estate agent, to people who trade their own stocks without working with a broker or financial adviser, to people who do their own taxes without help from an accountant.

To succeed as a do-it-yourself insurance buyer without guidance and consultation from an independent insurance agent, you need to learn about all the complex financial and legal risks that you face, and study the types of insurance coverage available to allow you to insure against those risks. Doing it right can be very complicated and time consuming. Doing it wrong could cost you every penny you have if you fail to buy the right type of insurance protection and an accident or lawsuit wipes out your finances.

So by working with an independent insurance agent who represents us, you can get competitive insurance coverage, with the luxury of a consultant and adviser to help you understand the risks that you face and the insurance you need to buy to protect yourself. This is much easier than the do-it-yourself method.