Independent vs. Captive Insurance Agencies: What’s the Difference?
Posted: April 21, 2025
At Preferred Insurance Agency here in La Crosse, we often hear a version of this question: What exactly is an independent insurance agency, and how is it different from a captive one? Let’s clear it up. Captive Agencies: Tied to One Company A captive insurance agency works for one insurance company. Think of brands like State Farm, Allstate, or American Family. Their agents sell only...
The Importance of Choosing an Independent Insurance Agency in a Hard Market: Why Preferred Insurance Agency is Your Best Option
Posted: March 22, 2025
In today’s unpredictable insurance landscape, particularly in a “hard market,” having a reliable insurance partner can make all the difference. While many people are familiar with the concept of insurance agents, they may not realize there are two types of agencies that offer distinct advantages: independent agencies and captive agencies. For residents of La Crosse, WI, understanding the benefits of working with an independent agency...
Why Choose an Independent Insurance Agency Over a Captive Agency?
Posted: January 22, 2025
When it comes to protecting your home, car, or business, choosing the right insurance provider can make a world of difference. Many people assume the biggest names, like American Family or State Farm, will always provide the best coverage and rates. However, there’s a significant distinction between these captive agencies and your local independent insurance agency, like Preferred Insurance Agency in La Crosse, WI. Here’s...