What is an Insurance Broker or Independent Agent?
An insurance broker or independent agent is a licensed professional who helps clients find the right insurance coverage by shopping multiple insurance carriers. Unlike captive agents, who work exclusively for one insurance company, independent brokers work for their clients—not the insurer. This means they provide unbiased recommendations tailored to your specific needs, ensuring you receive the best coverage at the most competitive rates.
At The Mitchell Insurance Group, we act as your advocate, researching and comparing policies from various insurance providers to find the right fit for you. Whether you need home, auto, commercial, or specialty insurance, an independent agent offers the flexibility and personalized service that captive agents simply can’t match.
Captive Agent vs. Independent Insurance Broker: A Quick Comparison
| Feature | Captive Agent | Independent Insurance Broker |
| Number of Carriers | 1 insurance company | Multiple insurance companies |
| Customization | Limited to one company’s products | Wide variety of coverage options |
| Pricing Flexibility | Restricted to one company’s pricing | Can compare prices across carriers |
| Client Advocacy | Works for the insurance company | Works for the client |
| Claims Assistance | Limited support | Advocates for the client in the claims process |
| Renewal Flexibility | No option to switch carriers | Can shop for better coverage at renewal time |
| Customer Service | Often through call centers | Personalized, direct support |
A Broker Works for You, Not the Insurance Companies
Unlike captive or independent agents who represent one or more insurance companies, an insurance broker’s primary obligation is to their clients. Instead of being tied to any specific carrier’s interests, we focus on understanding your needs and finding the best coverage for you. Our loyalty is to you—not to an insurance provider—ensuring you receive unbiased advice and the most suitable policy options.
Annual Policy Reviews & Our Dedicated Renewal Team
One of the key advantages of working with The Mitchell Insurance Group is our dedicated renewal team. We don’t just sell you a policy and disappear—we proactively review your coverage each year to ensure it still meets your needs. If your rates increase or your coverage no longer fits, we’ll shop around to find a better option. This ongoing service is something you won’t get from a captive agent, who is limited to a single carrier’s offerings.
Real Customer Experiences: Why Clients Switch to Us
Jose Martinez-Ruiz ⭐⭐⭐⭐⭐ (15 weeks ago)
“Fantastic customer service! I couldn’t be happier with the service I received from The Mitchell Insurance Group and, in particular, Chris Mitchell. From our very first interaction, Chris was incredibly attentive, knowledgeable, and focused on finding the right coverage for my needs. He took the time to thoroughly understand my situation and offered customized solutions that fit both my budget and coverage requirements perfectly.
Throughout the entire process, Chris was responsive, patient, and proactive in addressing any questions I had. He provided detailed explanations in a way that made it easy to understand the policies and options, which I really appreciated. It’s clear that Chris genuinely cares about his clients and works hard to ensure they’re protected and well-informed.”
Other happy clients have shared similar experiences:
“Chris and his group have blown expectations. I’m shocked with the savings and work they put in for our family.” – James P.
“We now have better coverage for so much less money! The Mitchell Insurance Group was a great find!” – Heather W.
Personalized, Local Service vs. Generic 800 Numbers
If you’ve ever had to call a generic 800 number for insurance assistance, you know how frustrating it can be. As an independent insurance agency, we provide direct, personalized service. Whether you have a question about your policy, need to make a change, or require assistance with a claim, our knowledgeable team is here to help. You’ll work with real people who care about protecting what matters most to you.
Advocacy During Claims
Filing an insurance claim can be stressful, and understanding the process can be overwhelming. As your independent broker, we act as your advocate throughout the claims process, ensuring that you receive fair treatment and that your claim is handled efficiently. Unlike captive agents who work for a single insurance company, we work for you, helping to navigate claims complexities and protect your interests.
Unbiased Advice for Your Unique Needs
Since we aren’t tied to just one carrier, we provide unbiased recommendations that prioritize your needs, not the interests of a single insurance company. This means we can tailor policies to your specific situation rather than offering a one-size-fits-all solution.
Specialized Coverage for Unique Needs
Beyond standard insurance policies, we offer specialized coverage for items that are often overlooked by traditional insurance providers. Whether you need jewelry insurance (Read our jewelry insurance blog) to protect valuable heirlooms or flood insurance (Learn more about flood coverage) to safeguard your home from unexpected natural disasters, we have access to the right policies tailored to your needs.
Why Choose The Mitchell Insurance Group?
- More choices: Access to multiple carriers means better coverage at competitive rates.
- Personalized service: Work directly with a team that prioritizes your needs.
- Proactive renewal reviews: We monitor market changes and adjust your coverage accordingly.
- Expert support: Specialists in personal, commercial, and specialty insurance.
- Claims assistance & advocacy: Dedicated support to help you through the claims process.
- Specialized coverage: Access to niche policies like jewelry and flood insurance.
Ready to Work with an Independent Insurance Broker?
If you’re tired of one-size-fits-all policies and impersonal service, now is the time to work with an independent insurance agent who puts your needs first. Contact The Mitchell Insurance Group today to explore your insurance options and experience the benefits of working with a broker who truly works for you.
Visit www.migcolorado.com or call us at 720-807-9212 to get started!
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