Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum

What is an Independent Agent?

Insurance agent

What is an Independent Agent?

Navigating the world of insurance can be a daunting task. With so many options and variables, it’s easy to feel overwhelmed.

Enter the independent insurance agent. These professionals offer a unique service in the insurance industry.

Unlike captive agents, who represent a single insurance company, independent agents work with multiple insurers. This allows them to provide a wider range of options to their clients.

In this article, we’ll delve into the role of an independent insurance agent, their pros and cons, and how they differ from captive agents.

Independent vs. Captive Insurance Agents: Understanding the Difference

Captive agents are tied to a single insurance company. They can only sell policies from that company. This limits their ability to offer a variety of insurance products.

On the other hand, independent agents are not tied to any one insurer. They can sell policies from multiple insurance companies. This gives them access to a broader range of insurance products.

The key difference lies in the variety of options. Independent agents can offer more choices, potentially finding better coverage at competitive prices.

However, it’s important to note that both types of agents have their own pros and cons. We’ll explore these in the following sections.

The Role of an Independent Insurance Agent

An independent insurance agent serves as a bridge between insurance companies and clients. They help clients find the best coverage to meet their unique needs.

These agents have a deep understanding of the insurance market. This knowledge allows them to effectively serve their clients.

Independent agents also play a crucial role during the claims process. They can advocate for their clients, ensuring a smooth and fair process.

In essence, independent agents provide personalized service, tailored to each client’s specific circumstances.

Pros of Choosing an Independent Insurance Agent

Choosing an independent insurance agent comes with several advantages. One of the most significant is the access to a wide range of insurance products.

Independent agents work with multiple insurance companies. This allows them to offer a variety of policies to their clients.

Another advantage is the personalized service and advice they provide. They can tailor their recommendations to each client’s specific needs.

Lastly, independent agents can often secure competitive pricing. Their broad access to different insurers allows them to find the best value for their clients.

Cons of Working with an Independent Insurance Agent

Despite the benefits, there are also potential drawbacks to working with an independent insurance agent. One concern is the potential for commission-based bias.

Independent agents earn their income from commissions on the policies they sell. This could potentially influence their recommendations.

Another concern is the varying levels of expertise and service. Not all independent agents offer the same level of knowledge or customer service.

It’s crucial to do your due diligence when choosing an agent to ensure they are reputable and experienced.

The Value of Personalized Service in Insurance

In the insurance industry, personalized service is highly valued. Independent agents, with their access to a variety of policies, can provide this service.

They can tailor insurance coverage to the specific needs of their clients. This is a significant advantage over one-size-fits-all policies.

Moreover, independent agents can adjust policies as clients’ needs change over time. This flexibility is a key benefit of their service.

How to Choose the Right Independent Insurance Agent

Choosing the right independent agent requires due diligence. It’s important to check their credentials and reviews.

Look for agents with a deep understanding of the insurance market. Experience and reputation are key factors to consider.

Remember, the right agent can provide unbiased advice and find the best coverage at competitive prices.

Conclusion: The Future of Independent Insurance Agents

The role of independent agents is evolving in the insurance landscape. They face challenges from direct-to-consumer models and need effective marketing strategies.

However, their ability to provide personalized service and a wide variety of products remains valuable. The future of independent agents looks promising, with a focus on transparency and tailored insurance experiences.