Captive vs. Independent Agents: Who’s Really on Your Side?

In this episode of Insurance Hour, host Karl Susman explains the differences between captive agents, employee agents, and independent brokers. Each plays a distinct role in how they offer insurance products, with captive agents being tied to a single insurer, employee agents working directly for an insurance company, and independent brokers having access to multiple insurers. Karl emphasizes the importance of knowing these distinctions to make better-informed insurance decisions.