What are the benefits of an independent agency like us?

Many insurance products can be extremely complicated and are seldom easy to understand. The policies are often impractically lengthy and very difficult to understand. An experienced insurance agent understands the ins and outs of hundreds of insurance products and their carriers/companies. This knowledge is what is necessary to match a client with the appropriate insurance product and company.

Our Florida insurance experts have experience with all types of insurance coverage and risks. We answer a lot of questions online through our frequently asked questions. We also respond to questions by email.

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What is the difference between an insurance agent and an insurance company?

An insurance agent is an individual licensed by the State of Florida who helps you, the client, find coverage and purchase it from an insurance company. When a client has a need for an insurance product, the agent may obtain quotes from one or many different insurance companies. In the great State of Florida agents cannot charge their clients any fees for their services. They are exclusively paid commission from the insurance company for the sale of their product.

An insurance company is the financial institution whose product (insurance policy) is actually purchased. Usually insurance payments are made directly to the insurance company. In the event of a claim the insurance company may cover the claim based on the circumstances and policy purchased. The terms insurance carrier and insurance company typically interchangeable.

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