What is the difference between an independent agent and those who work for only one company?

Generally speaking, there are two different ways that insurance is sold and serviced:

There are independent agents who represent more than one company. Hoffman & Associates is a group of independent agents. These agents are not employed by any company or carrier. They are local independent agents who represent a number of companies and can tailor coverage from a variety of sources thus offering unique coverage and pricing flexibility, combined with local accountability. We at Hoffman & Associates are independent agents that will work with you and for you to get the coverage you need!

The other type of agent is a direct writer or “captive” agent who only sells for the one company with which they are “exclusively” appointed. They can only offer you policies from this one company; they are “locked in” to this company and their products.

Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

Questions And Answers about Florida Insurance