It boils down to MORE CHOICES for you, the insurance buyer. An independent agent (broker) has access to hundreds, even thousands, of insurance companies and markets. Whether you are a commercial roofer, a high-rise window washer, or just a local hair salon you have options with an independent Trusted Choice agent. Captive agents, on the other hand, only represent one insurance company, and their pricing and coverage alternatives are severely limited in comparison. Though captive agents can certainly be good at focused niche markets or key business groups, many captive agents eventually become independent agents after a few years of competing in the marketplace. Many top financial advisors like Dave Ramsey recommend you find a local independent agent who can shop the market for you to find the best available coverage for the best available price. That’s what we do at First Louisiana Insurance.