Why an independent agency?
The difference an independent agency makes.
Capitol Insurance & Risk Management Group has chosen to be an independent agency. That means we are not employees of any insurance company. We are free to recommend the company we believe will do the best job for you, not the company which writes our paycheck.
Most insurance claims are settled quickly and fairly by all companies, but occasionally a dispute arises. If you are having a disagreement with your company, can you expect an agent who works for that company to argue on your behalf?
Many insurance companies today sell directly to the consumer via the Internet or over the phone. That is fine if you understand exactly what coverage you ought to have, and never require professional assistance in understanding your coverage or need help in presenting a claim.
Not all companies write all coverages, and occasionally customers of a single company may need to buy something that company doesn’t offer. Independent agents have connections with brokers all over the world in order to handle that out of the ordinary policy or coverage you may need.
As independent agents we provide the advice and assistance you need, and our price is usually no higher than the “one company” agent or the company that sells direct.
