Independent agents have several advantages over captive agents. These advantages include freedom, broad knowledge of the insurance Industry, flexibility, resources, and are likelier to be unbiased. They represent multiple insurance companies with multiple products and services they can make available to fit your special circumstances. They also can pool knowledge and make use of resources from multiple companies to better serve you, the insured. They have more flexibility to change your coverage or product to fit your needs and retain the special professional relationship you both enjoy as agent and insured. They represent many companies and products therefore have no single bias. Although we call them an insurance agent, they are your agent or liaison representing your needs to multiple insurance companies.