Module 4: Shopping for Coverage and Managing Claims

Working with an Independent Insurance Agent

Preview · ~5 min read

An independent insurance agent represents multiple carriers and can shop the market to find you the best coverage at the lowest price — unlike a captive agent who only sells one company's products. For Florida businesses, use an agent who specializes in commercial coverage for your industry, has experience with Florida-specific risks (hurricane, flood), and can explain coverage gaps and exclusions clearly. Ask for quotes from at least three carriers before deciding.

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