Captive Insurance Agent
Definition. A Captive Agent represents a single insurance carrier exclusively. They typically work directly for that carrier (employee or contract).
Also known as: Exclusive Agent
Examples: State Farm agents, Allstate agents (mostly captive). For commercial insurance, captive agents have limited shopping ability since they can only quote their one carrier. Most small-business commercial agents are independent, not captive.
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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