When you call a captive agent, you get one quote. When you call Beacon Insurance, you get access to 10 or more carriers—plus the expert guidance to choose the right one.

Not all insurance agencies are created equal. The difference between a captive agent and an independent agency like Beacon Insurance comes down to one word: choice.

A captive agent represents a single insurance company. They can only sell you policies from that one carrier. If that carrier doesn’t offer the best price or coverage for your situation, you’ll never know.

An independent agency works differently. We represent 10 or more different insurance carriers. When you call us, we shop your coverage across multiple companies and present you with options.

But choice alone isn’t enough. You also need expert guidance.

Our team is fully informed on the benefits, quirks, and fine print of each carrier and each policy. We don’t just hand you a stack of quotes—we help you understand what you’re buying and which option truly delivers the best value for your specific needs.

More options. Better advice. No captive loyalty.
That’s the independent advantage.