Every brokerage says it shops many carriers. Few explain what that access actually looks like, and the route we take to a carrier shapes what we can offer you.
An independent brokerage is not a carrier. We do not underwrite anything and we do not pay claims. What we hold are appointments — the contracts that let us submit business to an insurer — and they come in four shapes. Which one we hold decides how hard we can push on your file.
Most agency websites show a grid of carrier logos. We have chosen not to, for a reason worth stating plainly.
A logo tells you a carrier exists in our book. It does not tell you whether that carrier is writing new business in your state this month, whether they will write your roof, or whether their appetite closed in April. In California in particular, appetite has changed several times a year for three years running. A logo grid built in the spring is misleading by autumn, and the homeowner reading it has no way to know.
So instead of a wall, we will tell you — for your address, your property and this week — which markets we intend to approach, which we expect to decline, and where we think the best terms will come from. That answer is worth something. A logo is not.
If you want to know whether we can shop a specific carrier you already have in mind, just ask. We will say yes or no straight.
Tell us the property, the state and roughly what your current policy looks like, and we will tell you which markets we would approach and why — before you commit to anything.
Independent insurance guidance for your home, your business, and your life across state lines.