Independent means we work for you

Bittick is an independent insurance agency, which is industry shorthand for: we work for you, not for any single carrier. That distinction shows up in real ways throughout your time as a client. Here’s what it means in practice.

• We represent multiple insurance companies.

  We work with 45+ carriers across personal, business, life, and Medicare lines. When you ask for a quote, we shop it across the carriers that fit your situation and bring you the best fit, not the only option we sell.

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• We are insurance advisors, not salespeople.

  We want you to make an informed decision on your coverage. Through plain-language explanations, we work to simplify the process so you understand what each policy actually does, what it doesn’t, and why we recommend the limits we recommend.

  Meet our team
• We are by your side every step of the way.

  You’re never on your own when it comes to your insurance. We work with your carrier on your behalf — through claims, policy changes, certificate requests, and the routine paperwork that keeps your coverage current.

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• We offer a wide variety of insurance solutions.

  Your needs are unique, your insurance coverage should be too. From individual personal-lines policies to multi-state commercial programs, we tailor coverage to how you actually live and work.

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• We are there for you in your time of need.

  Signing the dotted line is not the last step, it’s the first step of our relationship. When something goes wrong — a claim, an audit, a renewal surprise — we are reachable, responsive, and on your side.

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Captive vs. independent — the practical difference

A “captive” agent works for one insurance company and only sells that company’s products. They might be excellent at what they do, but their hands are tied — if their carrier raises your rate, denies your claim, or changes their underwriting in a way that no longer serves you, they can’t move your business. We can. With 45+ carrier appointments, we re-shop your coverage at every renewal and move policies whenever it makes sense.

See the difference yourself

If you’re currently with a captive agent or a one-carrier broker, the easiest way to see the difference is to let us run a quote. No obligation, no pressure — just real numbers across multiple carriers, side by side.