Independent Insurance Agents vs. Captive: Why Trust Conner Insurance for Better Coverage and Choice

Independent Insurance Agents vs. Captive: Why Trust Conner Insurance for Better Coverage and Choice. When it comes to protecting what matters most, the type of insurance agency you work with plays a bigger role than you might think. Many people aren’t aware there’s a difference between captive insurance agents and independent insurance agencies, but that difference can significantly impact the coverage and support you receive. 

Captive vs. Independent: What’s the Difference? 

A captive agent represents just one insurance company. They’re limited to that company’s products, regardless of how your needs evolve over time. If your situation changes, their options stay the same. 

At Conner Insurance, we’re an independent insurance agency, which means we partner with multiple top-rated carriers, across the U.S. That gives us the flexibility to tailor coverage to fit your specific needs—not just today, but as your life changes. This freedom allows us to stay focused on what’s best for you, not what’s best for a single company. 

More Than Just a Quote 

Every renewal is an opportunity to revisit your insurance needs. At Conner, we take the time to consider more than just your rate. We look at recent life changes, shifts in risk, and evolving priorities to make sure your coverage still fits. 

Whether that means staying with your current carrier or switching to one that better suits your needs, we provide clear recommendations, and a look at your best options. Our goal is always to ensure you’re properly protected in your current season of life. 

A Strong Lineup of Trusted Carriers 

We’ve built strategic partnerships with a variety of insurance carriers—each offering unique strengths. Some of our key partners include: 

• Auto-Owners, known for its outstanding service and underwriting support 

• Progressive and GEICO, which often offer competitive rates for families with youthful drivers 

• Grange, recognized for consistent pricing and reliable service 

• AAA, a great fit for clients with newly built homes or home-only coverage needs 

And that’s just the beginning. We work with an even broader network of trusted carriers, giving us the ability to find the right fit for nearly every situation. This wide range of options allows us to stay focused on your needs—not a one-size-fits-all solution. 

Real-World Solutions When It Matters 

One of the most rewarding aspects of being independent is the ability to provide solutions when others cannot. We frequently help clients who were turned away by captive agencies due to pricing, risk appetite, or policy restrictions. With access to multiple carriers, we’re able to present meaningful options—even in more complex or urgent cases. 

We’ve worked with individuals who were unexpectedly dropped by their previous insurer and left feeling helpless. Thanks to our broad network and experienced advisors, we’ve been able to step in and find reliable coverage quickly, offering much-needed peace of mind in difficult moments. 

Relationships That Work for You 

We don’t just submit applications—we build relationships. Our strong connections with carriers mean we often have direct access to underwriters and carrier reps, allowing us to advocate more effectively on your behalf. 

Recently, when a client faced a significant home insurance rate increase, our team was able to work directly with the carrier to re-evaluate the policy and secure a more competitive premium. This level of communication is a major advantage of working with an independent Firm like Conner Insurance. 

Service That Doesn’t Stop at the Policy 

Our clients know we’re here for more than a one-time quote. From our account managers to our service team, we’re focused on long-term relationships. Whether you need help navigating a claim, reviewing your policy after a life change, or making sense of a renewal notice, we’re here to support you year after year. 

Our commitment to service is one of the key reasons our personal lines business continues to grow. 

Better Protection, Not Just Better Pricing 

We believe insurance should be about more than finding the lowest rate. It should be about making sure you’re properly protected. That’s why we take the time to understand your unique situation and guide you toward the right solution—even if it’s not the cheapest one. 

We’ve helped many clients identify gaps in their current policies, educate them on the risks, and provide options that offer better peace of mind. Often, the value of better protection outweighs short-term savings. 

The Conner Difference 

As an independent Firm, we offer what captive agencies can’t: choices, customization, and client-first service. We’re not tied to one product or one approach. We’re here to walk alongside you, providing support and smart solutions at every stage of life. 

Looking for insurance that grows with you? 
Let Conner Insurance help you compare options, protect what matters, and feel confident in your coverage—today and in the future.