An independent insurance agent represents multiple insurance carriers (often 10-40+) and shops your coverage across them to find the best fit, while a captive agent works exclusively for one company (such as State Farm or Allstate) and can only sell that single carrier’s policies. Independent agents have flexibility to move clients between carriers at renewal if pricing or coverage changes, whereas captive agents are limited to their parent carrier’s appetite and rate filings.
Read our complete independent vs captive agent comparison guide for pros, cons, and decision criteria. Bridgeway is an independent agency licensed in seven southeastern states.
