At Watkins Insurance Agency, we specialize in business, home, car and agribusiness insurance, as well as workers compensation insurance and employee benefits. We are proud to provide comprehensive, quality insurance options to residents and businesses in Virginia and North Carolina. With three convenient locations, our insurance advisors work hard to make sure you have the insurance coverages that you need.
To sell insurance products on behalf of a particular insurer, an agency must have an appointment with that insurer. An appointment is a contractual agreement that outlines the specific products the agency may sell. It also specifies the commissions the insurer will pay for each product. The contract usually describes the agency's binding authority, meaning its authority to initiate a policy on the insurer’s behalf. The agent may have permission to bind some types of coverage but not others.

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Independent Agents - Independent insurance agents function identically to insurance brokers in that they represent multiple insurance carriers. The primary difference between brokers and independent agents is that insurance brokerage companies are often larger than independent insurance agencies. However, independent agents and brokers approach the business in the same way, which is that they represent the customer.

Liberty Mutual actually tied Erie insurance for this category, but since we already called Erie the best overall company, we'll describe how Liberty Mutual is well known for a strong shopping experience. Customers of Liberty Mutual report in the study they were particularly satisfied with the flexibility of policies offered by Liberty Mutual, as well as their relationship with Liberty Mutual agents. If Erie is not located in your state, Liberty Mutual can be a good alternative if you can get a competitive rate.
You will find independent insurance agents represent many of the same insurance companies offered by local insurance agents.  The biggest benefit is the time savings individuals and business will find.  Because the selection of insurance companies for personal, commercial and life insurance is so comprehensive you don't have to contact several agents for quotes.  An independent insurance agent may represent 5 to 10 insurance companies. 
The biggest downside to Erie is that it is only available in Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. As well, Erie still relies strongly on its agent network; which isn't always a bad thing. A strong agent network is usually key to ensuring a smooth claims process. If you want to quickly buy car insurance without speaking to anyone though, Erie may not be the company for you. While you can start the process online, you ultimately will have to speak with an agent to finalize your quote. Erie will be ideal for any customers within its market, who do not mind putting in some extra effort to get quality and cheap auto insurance.

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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.
One thing an agent will excel at is assessing your needs. In addition to buying the right type of life insurance, you’ll want to find an insurer that offers you the best rate. Insurers will charge you a higher rate if your medical history indicates that you pose a higher risk, so an agent could help you figure out which insurer penalizes certain health conditions more than others.
When you buy life insurance, you may find it useful to enlist a life insurance agent to help you. Agents work on behalf of life insurance companies to help potential customers navigate the process of buying life insurance. While you can shop around for life insurance on your own, using a professional who knows the ins and outs of life insurance, such as an agent, might save you both time and money.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.
Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for more than 3,600 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.

In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
Insurance Brokers of Arizona has been fantastic to work with! Their customer service and attention to detail is what separates them from the rest. They made switching my vehicle and motorcycle policy effortless. No lag in insurance, no over payments and most importantly saved me a significant amount of money. Lisa has been great to work with and in my opinion the BEST! Thank you
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.
For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local independent agent can provide personalized coverage that's right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way.
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.

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]

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