Independent vs. Direct Writers for Insurance

Insurance brokers in New England

Consumers and businesses alike need insurance to protect them from accidents, errors and catastrophic events. When looking for the right solution, individuals typically have two options: a direct writer or independent agent. Direct writers represent and sell products offered by only one company. Insurance brokers in New England like NorthStar represent multiple companies. As a result, there are several benefits to working with independent agents.

Access to multiple companies and products means independent agents can offer a range of consumer and commercial solutions. A suite of products from several providers can be packaged together, providing coverage explicitly tailored to suit a specific profile. Direct writers have access to one line of products which may be seen as a one-size-fits-all proposition.

Independent agents have an exclusive relationship with the client, not the insurance company. They can offer their guidance on products, pricing and coverage options. The role of an independent agent focuses on identifying the needs of the client and providing solutions that address those needs.

Insurance brokers in New England like NorthStar can offer more choices and savings than direct writers who have limited access to solutions. They can help prevent financial hardship and reduce risk. Independent agents may develop life-long relationships with their clients and assist them in meeting their changing needs.