Direct answer
It depends on whether you value having a single point of contact with one carrier or prefer a broker who can shop multiple insurance companies to find the best rate for your specific needs.
State insurance department guidelines regarding the fiduciary responsibilities and licensing differences between captive agents and independent brokers. For additional information about state-specific licensing requirements and consumer protections, see the National Association of Insurance Commissioners (NAIC) website.
What this means for you
It depends on whether you value having a single point of contact with one carrier or prefer a broker who can shop multiple insurance companies to find the best rate for your specific needs.
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