What Is an Insurance Broker?

In practice the terms overlap. A captive agent represents one insurance company and sells only that company’s policies. An independent agent or broker represents many companies and shops among them for you. The Jordan Insurance Agency is an independent agency, which means we compare several companies rather than selling a single brand.

No. You do not pay us a fee. The insurance company pays our agency a commission that is already included in the premium — the same premium you would pay buying from that company directly. Our guidance and quoting are free to you.

Often, because comparing several companies at once surfaces prices you would not find by calling one. But not always — sometimes your current policy is already competitive, and in that case we will tell you to keep it. The saving that matters most tends to be at renewal, when we can re-shop a rate increase across companies.

For home and auto in North Carolina we write through Liberty Mutual, Travelers, National General and Chubb, with Progressive and Geico available as additional markets. Because we are independent, we place your coverage with whichever one fits the house, the drivers, and the budget.

Yes, and that is often where a broker helps most. We quote home and auto together and separately, show you both totals, and add an umbrella over the top when it makes sense — all in one conversation.

Your policy is with the insurance company, but our agency is your point of contact. When you have a question, add a vehicle, or need help at renewal or claim time, you call us rather than a different call-center agent each time.

Call us, or book a time online. An intake specialist takes your details, we quote it across our companies, and a licensed agent walks you through the results. There is no cost and no obligation to change anything.