Insurance brokers are paid a commission based on the product you purchase.  It can vary, depending on the type of insurance like: home , auto or business insurance.  Commercial insurance may pay a higher commission since they have complex underwriting requirements and time consuming to find the right company.  They are paid for new and renewal business.  The service is generally FREE to you, but they are required to disclose any potential brokerage fee before making a purchase.  InsuranceBrokers.com does not charge a fee for our service.

Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change.  The Farmers Car Shopping Service website is owned and operated by TrueCar, which is not affiliated with any of the companies comprising the Farmers Insurance Group of Companies.
We begin by examining all the risks and variables associated with a policy.  Each individual, family and business has differing needs and coverage’s to consider.  Not only do we provide personal policies, such as home and auto insurance, our agents are experienced in addressing commercial insurance coverage options.  Looking for Workers Compensation, Commercial Property, or Commercial Liability insurance?  Our agents have you covered.  To learn more, please contact one of our agents at your convenience.
We got our insurance through a broker and it's been kind of an annoyance. When they were taken over by another company after having the policy for decades we got a non renewal notice which was fine because we were not interested in doing business through them anyway until we found out that non renewal meant no other insurance wanted us and we were forced to buy a new policy through the broker.
Nice write up. I personally have been able to save with an independent agent. A big concern of mine was finding an agent that worked with more reputable insurance carriers. There seems to be alot of agents who will use non-standard insurance carriers to provide cheaper coverage. I've heard some horror stories about customer service, sub-par adjustments, and claims services. I'd definitely do alot of research into the insurance companies the independent agent is appointed with.
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Competition exists between exclusive agents and independent agents. Exclusive agents, who are salaried employees of the insurance company, write a majority of the personal lines business.[8] However, because of the complexities involved in commercial risks, independent agents capture approximately 80 percent of the commercial lines market.[9] It is having access to multiple markets that gives independent agents a competitive advantage in commercial lines.
Insurance brokers are in any city you would find insurance agents.  The easiest way to locate local insurance broker is online by simply searching independent insurance agents near me or insurance brokers near me.  Most local brokers are licensed in multiple states so if you have property or vehicles others states you can most likely use the same broker.

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Brokers may be either retail or wholesale. A retail broker interacts directly with insurance buyers. If you visited a broker, who then obtained insurance coverages on your behalf, he or she is a retail broker. In some cases, your agent or broker may be unable to obtain insurance coverage on your behalf from a standard insurer. In that event, he or she may contact a wholesale broker. Wholesale brokers specialize in certain types of coverage. Many are surplus lines brokers, who arrange coverages for risks that are unusual or hazardous.


Momentous has an in-house claims team and general counsel to assist with your claim, so you never have to deal with the insurance company on your own. As your advocate, we’ll guide you through the entire claim process and help ease the burden of your loss. We will use our market clout to aggressively pursue all available coverage to ensure your satisfaction.
There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change,[3] The National Organization of Life and Health Agents (NOLHA),[4] the Independent Insurance Agents & Brokers of America (The Big "I"),[5] and the National Association of Professional Insurance Agents (PIA).[6]
Base commission is the “normal” commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.
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To add to an independent agent’s competition pool, many insurance companies are direct competitors to the agents they appoint. For example, Progressive Insurance spends nearly $300 million a year in advertising directly to the public. Yet, Progressive is the country’s largest writer of private passenger auto insurance through the independent agent distribution channel.[10]
Most of the time, agents are independent contractors, and they can be either captive agents or noncaptive agents (also known as independent agents). The former means that they work directly for a single insurance company, and the latter means they work for multiple insurance companies. Brokers, like Policygenius, are more independent, and work with a large number of insurance companies. They may also sell more insurance products, like disability insurance. Captive agents have fewer options to offer you because they only have their parent company’s policies to choose from. 

OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards and assist in establishing injury and illness prevention programs.


Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn't the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process. 

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