Commercial insurance is where the independent channel produces the biggest savings. Business owners often need general liability, commercial auto, workers compensation, property, professional liability, and cyber coverage — and the best carrier for each line is rarely the same. An independent can place each line with the carrier that prices it most aggressively, while bundling for discount where it makes sense. Captive agents are forced to bundle within one carrier’s product suite, which often leaves money on the table.
See our general liability coverage page, commercial auto coverage, and our guide to choosing an agent for business insurance.
