More than 25 carrier partners across personal and commercial property & casualty lines.
OneTrust Risk Management & Insurance represents more than 25 insurance carriers. That is the practical difference between an independent agency and a captive one: a captive agent has one company's appetite to work with, and when your risk falls outside it, the answer is no. We can go to a market that wants the account.
In personal insurance, carrier selection is mostly about price and service. In commercial insurance it decides whether you get a quote at all. Carriers have specific appetites: one will write a mechanical contractor doing commercial rooftop work and decline the same contractor if half the book is residential new construction. One will write an apartment complex with a fifteen-year-old roof; another stops at ten.
Knowing which is which — and presenting the submission so the right carrier can say yes — is most of the value in placing a commercial account. It is why the same risk can produce a decline from one agent and three competitive quotes from another.
Our partners include Nationwide, Progressive, Liberty Mutual, Travelers, Chubb, CNA, Great American, and more than twenty others across personal and commercial lines, admitted and surplus.
We are a Trusted Choice® independent agency, which carries a pledge of performance: to work in your interest, offer choice among multiple companies, and explain your coverage in terms you can act on.