Direct answer
No, a captive insurance agent is legally obligated to represent the interests of the specific insurance company they work for, whereas an independent broker acts as your representative to find policies across multiple providers.
Standard appointment contracts filed by insurance companies with state regulatory bodies defining the legal relationship between carriers and their agents. For additional information about how state regulators oversee insurance producer licensing and appointments, see the National Association of Insurance Commissioners‘ state regulatory resources.
What this means for you
No, a captive insurance agent is legally obligated to represent the interests of the specific insurance company they work for, whereas an independent broker acts as your representative to find policies across multiple providers.
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