Most agents work for one company (State Farm, Allstate, etc.) and can only sell you their products. We're independent, which means we represent you, not a carrier. We compare 38+ insurers and recommend the policy that actually fits.
Online: about 90 seconds for the basics, and we'll get back to you with carrier comparisons within one business day. By phone: usually one 10-minute call.
Never. Insurance policies are typically 6 or 12 months and you can cancel anytime, prorated. We earn your renewal every year, that's why our retention is 98%.
Call your agent first, not the carrier's 1-800 number. We help file, we follow up, and we advocate for you. Most clients say this alone is worth switching to us.
Yes, about 30% of our book is commercial. From sole proprietors to 200-employee operations, we handle GL, workers' comp, commercial auto, bonds, and professional liability.
Headquartered in Raleigh, but we're licensed across North Carolina, South Carolina, and Virginia, and serve clients throughout the Triangle and beyond. Many of our long-time clients have moved out of state, we keep them too.
The Carolinas have seen reinsurance costs and weather losses push every carrier's rates higher over the past three years. The right move isn't to drop coverage, it's to shop. We re-quote your home and auto across all our markets so you stay covered for less.
Yes. We're appointed with the major Medicare Advantage, Medigap, Part D, and ACA marketplace carriers. We compare plans side by side and walk you through enrollment, no extra cost to you.
Captive agents (State Farm, Allstate, Farmers) can only quote one company. We compare 38+ A-rated carriers every renewal. If a captive ever beats us on a policy, we'll tell you and recommend you take it. We're playing the long game.
Nothing. We're paid by the carriers as a commission baked into the premium, identical whether you go direct or through us. There's no fee to work with us, ever.
Yes, every renewal. We re-shop your coverage across all 38+ carriers so you don't quietly overpay. Most clients save twice over the life of the relationship: once when they switch to us, once at a renewal where the market shifted.
Call us first at (516) 780-1385. We'll help you file with the carrier, follow up, and advocate for the right outcome. After hours, the major carriers also have 24/7 claim lines we can connect you to.