What’s the difference between a “Captive Agent” and an Independent brokerage firm like the CLINE AGENCY?

Captive agents are contractually obligated to represent one or more carriers owned by a single company.  State Farm, Farmers, and Allstate are examples of companies who rely on captive agents.  Conversely, independent agents or brokers often have access to numerous companies and therefore have increased flexibility to craft a customized (and competitive!) program best suited to your unique coverage needs.