What is an "independent agent" in West Virginia insurance?

An independent agent in West Virginia insurance refers to a professional who sells policies from multiple insurers rather than being tied to a single company. This independence allows the agent to offer a variety of coverage options, giving clients the flexibility to choose policies that best meet their individual needs and financial situations. Independent agents serve as intermediaries between clients and multiple insurance companies, helping clients compare different policies and premiums.

This model supports a broader market reach and often enables clients to find better coverage or pricing that suits their specific circumstances. The ability to represent multiple insurers distinguishes independent agents from other types of agents, such as captive agents, who operate on behalf of only one insurer and thus offer a more limited selection of insurance products.