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The benefits of using an insurance broker are many and will be reviewed

Not all insurance brokers are the same

Here are the reasons that benefit you when you decide to work with the best insurance broker

  • A broker works for you not the insurance company
  • The insurance company pays the broker a commission not you
  • You get a claims advocate to work with you on claims resolution
  • Access to more than one insurance company to find the right choice
  • Your insurance broker provides professional advice in your best interest
  • You get a renewal review each year to decide if your current company is still the best option
  • Licensed advisor that explains insurance policy language in easy to understand terms


A captive insurance agent (represents one insurance company) is an employee of the insurance company. They have one insurance option and when rates go up they offer to raise your deductible and reduce coverage to maintain your current rate

An insurance broker is not employed by an insurance company. They are contracted to represent an insurance company and offer their products but a broker represents many insurance companies and has no obligation to recommend any one insurance company


An insurance broker is licensed by the Department of Insurance and holds a property and casualty license to sell insurance products such as homeowners insurance, rental property and commercial property

The advice you receive for an insurance company recommendation should fit your budget, risk tolerance and satisfy your protection needs


Insurance policy language can be confusing. One page of the policy provides coverage but another page takes it away. A standard homeowners policy has many exclusions but you can purchase add on endorsements to give you the coverage you need but if you don’t understand the coverage options you could be left with an uncovered claim

An insurance broker can answer all of your “what if” questions about insurance protection and policy coverage options


Not all insurance companies spend billions of dollars on advertising so you can sing their song or laugh at their commercials

Some of the largest and financially stable insurance companies depend on insurance brokers to recommend their policy to you

An insurance broker will often represent no less than 10 insurance companies and often will partner with 20-30 of the top rated insurance companies in your state

The best insurance broker will offer you multiple insurance options from national and regional insurance companies that offer the best insurance protection for your budget

At CTG Insurance we represent the best insurance companies for homeowners insurance, rental property insurance and commercial property in Michigan, Mississippi and Alabama

If you are ready to work with an insurance broker to provide you the protection you need for the value you want complete the form below to get started

About the Author: Anton Thornquist
Anton Thornquist is the owner of CTG Insurance. Anton purchased CTG from his grandfather Ralph, and expanded the company to begin covering nonprofit organizations of all sizes and causes, as well as human services organizations. Anton saw how these sectors were underserved much like churches were back when the company was founded, so now CTG seeks to help even more kinds of organizations with their important work.

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