From cars to homes, schools to vacation resorts, we love having choices. The ability to choose allows us to tailor a product or service to meet our own specific wants & needs. This is equally important when it comes to protecting yourself, your family & your business. There is no single insurance company that can provide for EVERY type of risk you face. There are primarily two types of insurance agencies. A captive agency represents one insurance company. That can be a serious issue when that company doesn't offer the coverage you need. It also means that if your rates increase your only option is to find another agent. An independent agency represents multiple insurance companies. That means you have many choices & that can save you money.