Your captive agent has no alternative carrier to offer because they can only sell that one company’s policies. You’ll need to shop elsewhere — typically through an independent agent who can access multiple carriers and find a replacement before your existing coverage lapses. This is one of the most common reasons clients switch from captive to independent agents, particularly in coastal and catastrophe-prone markets where captive carriers have been pulling back.
If you’ve received a non-renewal letter, request a quote from Bridgeway. We can shop your coverage across 40+ carriers. Read our guide to switching agent channels for the full process.
