When you’re looking to purchase insurance, there are many decisions to be made. Choosing an agent is one of the most important parts of your decision making process, as this person will be the one to guide you through the process and advise you as to which policy is best for you. You are, in a sense, placing a great deal of trust in this person, so you want to make sure they have your best interest in mind. Generally speaking, there are two types of insurance agents: Captive Insurance Agents or Independent Insurance Agents. By definition, captive agents work exclusively for one insurance carrier and are obligated to write business with that one carrier. While some captive agents in Florida are allowed to write business with another insurance company, most of them are obligated to write insurance with only one company. A good example of a captive insurance agent would be a company such as State Farm. An independent agent represents multiple insurance companies and works on behalf of the client to find a policy which best fits their particular needs. McGriff-Williams Insurance is an independent insurance agency and represent multiple insurance companies. In most cases, we are able to shop around and find the best insurance product for our clients. Captive insurance agents and independent insurance agents differ in many ways, but mainly in the scope of policy options available to a client. At McGriff-Williams Insurance, we are committed to finding cost-effective, well-rounded insurance policies for our clients, leaving them feeling secure and confident with their coverage. Please don’t hesitate to call us to learn more about how we can help you!