Dwyer Insurance, Inc.

When you’re shopping for insurance, you have lots of options. You can choose to buy through an Independent Insurance Agent (who represents you and is authorized to place your insurance with any of several companies), an exclusive/captive agent (who is authorized to place you with one company), or directly from the carrier (such as by buying the insurance online or over the phone). Each of these buying options will provide you with some level of insurance coverage, but the process of buying it and receiving insurance services may differ significantly

Commercial Property insurance protects your company’s building and personal property in the business from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance policy but can be added with separate policies.

A General Liability insurance policy or Business Liability protects you and your business from claims involving bodily injury and property damage that could happen at your business. Every business has a need for General Liability insurance.

Property insurance helps cover stuff you own like your home or your car. Casualty insurance means that the policy includes liability coverage to help protect you if you’re found legally responsible foran accident that causes injuries to another person or damage to another person’s property.

We, as an independent Agency have the ability to shop for all types of Coverages (Personal Auto, Homeowners, Business, Commercial Property, etc.,) with many different companies to find you the best prices with the best coverages.

There are a few main reasons why you would choose an independent vs. a captive agent. The first is cost—working with an independent agent will be cheaper than working with a captive agent. Secondly, independent agents can offer a wider variety of plans, so you have more choices and a wider price range to work from.

Both independent and captive agents can sell any kind of insurance they want. Some choose to sell every product that an insurer offers, while others specialize in a few areas, like home and life insurance.

Generally speaking, there isn’t one better type of insurance agent. Whether you choose to work with a captive agent or an independent agent depends on you. The main benefit of working with a captive agent is that they have extensive knowledge of their insurers' products and policies, because they have one carrier. However, working with a captive agent tends to be more expensive, due to extra fees that the insurance company charges. If you work with an independent agent, you’ll get more options, which also means a wider price range. But independent agents have in-depth knowledge about numerous carriers, where captives only need to learn one. Also, independent agents usually charge less because there isn’t one parent company to support. If you’re concerned about keeping costs low, working with an independent agent will save you money. Keep in mind that you should already have a general idea of what you’re looking for before meeting with an agent.

In short, captive insurance agents are contracted to work for one insurance company and can only sell that company’s policies. On the other hand, independent agents are contracted to work with a variety of insurance companies and can sell policies from multiple providers. Captive agents work for major insurance companies and sell their insurance products. Therefore agents are experts at knowing the different policies available by that provider only. They're helpful for people who are buying insurance for the first time or for people who aren’t sure how much coverage to purchase. Commission is earned for every sale, but their rate tends to be lower because they are also paid a salary from the insurance company. Independent agents partner with several companies of their choosing to sell certain policies from each provider. They offer more options and clients aren't locked into purchasing from a small number of plans that might be too expensive or not fit their coverage needs.

No. As the saying goes, "Those who attempt everything are fantastic at nothing", or something like that. At Dwyer Insurance, we specialize in only property and casualty insurance. That starts with Homeowners and Auto Bundles, and includes Personal Umbrellas, Vacation Homes, Flood, Boat, Valuable Articles and Motorcycle Insurance. Our commercial team offers VIP Service to our business clients. Policies include Business Owners Policy (BOP), General Liability, Commercial Property, Commercial Umbrella, Professional Liability, Cyber and more.

We offer some of the best insurance companies in the industry. Period! But it's very possible you haven't heard of them. They don't have Super Bowl commercials, huge billboards, or super annoying Facebook ads. This is because they ONLY work through independent agents. They choose to spend less on commercials and rely on their network of independent agents to get the word out. Most are regional mutual companies. They are smaller than the mammoths you see on TV but are still very large, very financially stable companies with the highest ratings for claims service.

Yes, once we place you with the carrier, we will be your point of contact for any policy service or claims advise.

Probably. The fact that insurance companies know they'll be competing for your business tends to make our prices the best out there. But the more important thing is that we're also going to make sure your coverage is smart. At Dwyer Insurance, you actually have an advisor. If you go online and make your own policy, you won't know if what you are getting is good or not.

Independent Insurance agents are one of the 3 avenues to getting home, auto, and business insurance. An independent agent is the only way to connect with an insurance advisor that doesn't work for the insurance companies that employ them. Our allegiance is to our clients, so we can educate and advocate for you. We make insurance companies compete for your business and the winner is you.