Let's Call the Whole Thing Off!

Independent Agent, Captive Agent, to-may-toe, to-mah-toe: Let's call the whole thing off! * What's the difference between independent and captive agents? How does an insurance company differ from an insurance agency? Why does it matter? In this article we will sort out the differences and explain why it is important to know. The bonding company is like the manufacturer of the product. The bonding agent is the manufacturer's rep, the sales person who performs the retail side of the transaction. When it comes to bid and performance bonds, most contractors obtain their bonds from bonding agencies. However, some may be dealing directly with bonding companies and not appreciate the difference. Actually, there are important implications. The "Big I" is the symbol of the national organization: Independent Insurance Agents and Brokers of America Inc. You can also find their information under the "Trusted Choice" logo. This is a national organization with 140,000 member insurance agents. They serve the retail function as intermediary between the insurance company and the retail customer (contractors and others). Ix999w8l
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