What is an independent insurance agency?

Insurance FAQ

An independent insurance agency has the ability to provide access to policies from numerous insurance carriers - not just a single insurance company. And, a good independent insurance agency is able to provide a lot of additional values to their clients, as well.

As an independent insurance agency Altasurance has special powers that you will not find from typical “captive” agencies.

At Altasurance we work for you - not an insurance carrier. We are able to do this because we are an independenet insurance agency. The independent insurance agency model offers a welcome alternative to customers that have finally grown frustrated with the limitations and problems that are often affiliated with “typical” insurance agencies.


The model with which most consumers are familiar is known as the Captive Insurance model. It's quite an alarming way to describe it, but very fitting to anyone that has experienced “The Madness” of being a captive customer. Captive insurance agencies represent one carrier and operate on their behalf. On the other hand, an independent agency is able to provide you with access to multiple carriers and options from which you will be able to choose - usually leading to much better overall value.

An independent insurance agency has the ability to provide access to policies from numerous insurance carriers - not just a single insurance company. And, a good independent insurance agency is able to provide a lot of additional values to their clients, as well.

As an independent insurance agency Altasurance has special powers that you will not find from typical “captive” agencies.

At Altasurance we work for you - not an insurance carrier. We are able to do this because we are an independenet insurance agency. The independent insurance agency model offers a welcome alternative to customers that have finally grown frustrated with the limitations and problems that are often affiliated with “typical” insurance agencies.


The model with which most consumers are familiar is known as the Captive Insurance model. It's quite an alarming way to describe it, but very fitting to anyone that has experienced “The Madness” of being a captive customer. Captive insurance agencies represent one carrier and operate on their behalf. On the other hand, an independent agency is able to provide you with access to multiple carriers and options from which you will be able to choose - usually leading to much better overall value.
In addition to access and choices, an independent insurance agent is able to provide you with unbiased guidance to help you make a more informed decision since independent insurance agents do not work for a single insurance carrier. And, they typically have more broad insurance expertise rather than just knowledge about a single carrier and its products.


An independent insurance agency also has the freedom to establish its own unique processes and service models without a mega-corporation forcing them to say or do things a certain way. For you, that means that an independent agent can give you unbiased advice when you are shopping for insurance...and then continue to work on your behalf after your new policy is active.


Ultimately, a good independent insurance agency and its agents will be your advocate and help you manage all things related to your insurance policies.

Related FAQ’s

What is Altasurance?

Why did the name change from Red Rock Insurance Group to Altasurance?

How do I file an insurance claim?

How do I pay for my insurance premiums?

What is Altasurance?

Why did the name change from Red Rock Insurance Group to Altasurance?

How do I file an insurance claim?

How do I pay for my insurance premiums?