What does an independent agent do?

An independent agent operates by selling insurance products from a variety of insurance companies rather than being tied to just one. This allows the agent to offer a diverse range of options to clients, helping them find the coverage that best suits their individual needs. Retaining ownership and control of policy records is also a significant aspect of an independent agent's role. This ownership allows for greater flexibility, as the agent can adapt and manage the insurance solutions provided to clients, regardless of which insurer the policies are from. Because they represent multiple insurers, independent agents are able to compare coverage and pricing, which ultimately benefits the consumer by providing more personalized service and potentially more competitive rates.