Michigan has a long history of recognizing the role independent insurance agents play in serving individuals, families, businesses, and communities.
In 2021, Michigan Governor Gretchen Whitmer proclaimed February 25 as Independent Insurance Agents Day in Michigan. The proclamation recognized the contributions of independent insurance agents to Michigan communities and the state’s economy.
While the proclamation was issued in 2021, the role of independent insurance agents continues today. Independent agencies remain a resource for Michigan consumers and businesses looking for guidance when evaluating their insurance needs.
What is an Independent Insurance Agent?
n independent insurance agent represents multiple insurance carriers rather than being tied to one insurance company. This allows the agent to consider coverage options from different insurers when helping a client evaluate their insurance needs.
An independent agent can help clients:
- Compare coverage options from multiple insurance companies
- Identify potential coverage gaps
- Adjust insurance as their needs change
- Understand policy terms, exclusions, and coverage limits
- Navigate the insurance process when a claim occurs
Unlike a captive agent, who typically represents one insurance company, an independent agent has access to a broader range of insurance markets.
Why Work with an Independent Insurance Agent?
Insurance needs can change as your business, family, property, or financial circumstances change. An independent agent can provide ongoing advice and counsel rather than simply helping you purchase a policy.
For businesses, this may include evaluating commercial property, liability, workers’ compensation, professional liability, cyber insurance, employee benefits, and other areas of risk.
For individuals and families, an independent agent can help evaluate personal insurance needs such as homeowners, auto, umbrella, and other coverage.
Because independent agents work with multiple insurance carriers, they can consider different options as your circumstances change without requiring you to change your insurance agent.
Get an Insurance Quote Started
If you’re looking for an independent insurance agent in Michigan, Mason-McBride can help you review your current coverage and discuss your insurance needs.
For helpful tips on other popular topics, check out: