Independent Insurance Agency

The Benefits of an Independent Insurance Agency: Independent vs. Captive Agents

Our roots as an independent insurance agency go back almost 75 years.  We’re proud to carry the independent insurance agency label because of what it means to our clients.  As an independent agency we work with multiple insurance carriers instead of being limited to just one.  At Hertvik Insurance we work with more than 20 insurance carriers.  We can explore the market on your behalf to find the best price and coverage for your unique situation.

We can cover all your insurance needs.  Did you know the average family has seven different insurance policies? If those policies are spread out among different agents, you might be putting yourself at a disadvantage.  Aside from having to manage multiple relationships, you are asking each of those agents to manage your risk when they don’t have access to all your information. 

As your insurance adviser we understand the nuances associated with insurance policies.  A lot of the commercials you see on TV would like you to believe that all insurance policies are the same. That is not the case.  There is a reason that the policies you receive are long and confusing.  It is because each has unique coverage and language.  We carefully consider the unique advantages of each policy when working with you in selecting an insurance company.

If there is a discrepancy between you and the insurance company, we’ll act as your advocate. When dealing with an agency that only represents one carrier, they have no choice but to represent themselves. 

We don’t work for the insurance companies; we work for you.

Most importantly, we want to understand the risks associated with all aspects of your life.  Whether you’re going from renting an apartment to buying your dream home, getting married, adding that addition to your house, starting a business, or adding a teen driver to your auto policy.  We are here to help you through all stages of your life.