The James Stocker Group / Boise River Insurance is an independent insurance agency as opposed to a captive insurance agency. Most of the large insurance companies that consumers are familiar with from commercials can offer insurance from only one insurance company. As an independent agency we represent our clients rather than a company. A captive agent will do everything they can to talk you into buying insurance from the one company they represent. An independent agent will shop with several different companies to make sure their client is truly getting the best insurance at the best rate.
Aside from offering the best coverage at the best rates we also pride ourselves in providing the best service in the industry. Our business is built 100% on referrals and our clients are our #1 asset. Without our clients we wouldn’t be around, so we do everything we can to ensure our clients get top notch service.
An Independent Advantage
We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. James Stocker Group / Boise River Insurance represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.