The difference is simple: a carrier representative (or captive agent) represents the carrier. An independent agency represents the customer. This means, as an independent agency, our top priority is providing you with options that meet your coverage and pricing needs.
We do the shopping for you! Shopping for insurance can be a long, difficult process if you really want to hunt down the best deal and coverage combo. However, we have relationships with several trusted carriers that make this process easier. We can scour the market to get the best bang for your buck and present the options to you so all you have to do is pick the one you like best! Not sure which option to choose? We’re also here to act as an advisor and help you understand all of the industry jargon.
Finding the best coverage for the best price is only a portion of what we do at Heartland Risk. Our team is dedicated to helping you understand the insurance you’re paying for. Have questions on limits, deductibles, or exclusions? Need help reporting a claim? We’re always just a call or click away.
As the saying goes, the best things in life are free. You don’t pay us a penny. We get paid by the carriers for bringing them wonderful clients.