What do captive producers primarily do?

Captive producers are agents or brokers who are exclusively aligned with a single insurance company. Their primary role is to represent and sell the products of that specific insurer, which allows them to develop a deep understanding of the company's offerings and underwriting guidelines. This specialization can lead to stronger relationships with clients since the captive producer can provide tailored advice and support based on their knowledge of the particular insurance products they represent.

By focusing on one insurer, captive producers can also ensure that they are fully immersed in the company's policies and procedures, which often results in more effective sales techniques and customer service. This exclusive agency model contrasts with independent agents who sell products from multiple insurers, which can dilute their expertise in any one company's offerings. Therefore, the focus of captive producers on a single company is a defining characteristic of their role in the insurance industry.