There are several ways you can purchase business and personal insurance.

You can buy it over the Internet. You can call an 800 number and buy it over the phone directly from an auto insurance company. You can call an insurance agent  (also known as “captive agent”) or you can call an independent insurance broker.  In some cases, you could even buy insurance from a bank or credit union.

How do these companies differentiate themselves?

Some brag about their superior service when you have a claim.  Some tout how easy it is to buy from them.

So, who is your insurance provider?

Is it a bank, a credit union, a direct-to-consumer insurance company or a “captive agent” offering only one insurance company?

How about partnering with an independent insurance broker (a.k.a independent insurance agent), and know that you’re dealing with someone who works for you?

At Marhen Insurance we’re independent insurance brokers.  That means we’re not tied to any specific insurance company.

If a “captive agency” or a bank only sells one-size-fits-all policies, all you can get there is a one-size-fits-all policy.

But you might be better off with a policy that fits you, not anybody else.  If it fits better it might protect you better and help you sleep better at night.

This quick video explains some of the differences:

[youtube=http://www.youtube.com/watch?feature=player_embedded&v=w6no9-a0lpk&w=530&h=385&rel=0]