As an Independent Broker, we represent our clients’ interests, unlike captive agents for direct insurers such as Allstate, Geico, Nationwide, and State Farm, which are obliged to represent their insurers’. Further, since we work with an array of insurers, we can create competition for our clients’ business which results in the best combination of coverage and cost. Our clients benefit from our ability to tailor policies to meet their needs, and, most importantly, to advocate for their claims. Agents for direct insurers have only one insurer to offer and are compelled to represent that company at all times.