Why Independent Matters

When it comes to protecting your family or business, not all insurance agents are the same. Some can only offer you one company’s products. Others, like Safe Hill, are independent—meaning we shop with many companies to find the best fit for you.

Captive vs. Independent Agents

A captive agent works for a single insurance company. While some may have sister carriers, they are typically very limited in what they can offer. An independent agent works for you, not for the insurance company. We compare multiple carriers side by side and bring you the coverage that truly fits.

Think of it this way:

Would you buy the first car you test-drove without looking at other models? Would you buy a home without comparing other options in the neighborhood? Then why settle for insurance from someone who can only show you one choice? An independent agent makes sure you get the right coverage at the right value.

The Benefits of Independence

• More Options: Multiple carriers compete for your business, giving you better value.

• Tailored Coverage: Policies matched to your real needs, not a company quota.

• True Advocacy: We represent you, not the insurance company.

• Long-Term Guidance: If one carrier changes rates or coverage, we can move you to another—without you losing your trusted agent.