Independent, and what that actually means
We are not employed by any one insurance company. We represent several carriers, which means we shop your risk across all of them instead of asking you to fill out the same form five times on five different websites.
The part that matters more comes later, if it ever comes at all: when you file a claim, we are on your side of the table. A captive agent works for the carrier that employs them. A website has no one to call back. We do the paperwork, push on a slow adjuster, and tell you plainly whether an offer looks fair.
The office has been on Courthouse Square for eleven years. Two agents and one office manager work here, and any one of us can pull up your file.
What we write: Home - the structure, its contents, and the liability that comes with owning it. Auto - personal vehicles, priced across carriers rather than just one. Renters - contents and liability coverage for anyone who does not own the building they live in. Umbrella - extra liability protection layered above your home and auto limits. Small business and general liability - coverage for a shop, office, or client-facing business. Commercial auto - vehicles used for work, which a personal auto policy usually will not cover. Workers' compensation - required coverage for a business with employees. Life - term and whole life policies, sized to what your family would actually need.
