Which type of agents typically represent only one insurance company?

Captive agents are representatives who work exclusively for one insurance company. This means they are focused on promoting and selling only that company's products. This exclusivity allows captive agents to develop in-depth knowledge of their company's offerings, policies, and procedures, which can enhance their ability to provide specific advice tailored to the needs of their clients regarding those products.

In contrast, independent agents represent multiple insurance companies, providing clients with a broader range of options to choose from. Brokers act as intermediaries between clients and insurers but do not work for a specific company, instead, they help clients find policies that match their needs across various insurers. General agents may oversee other agents and have broader responsibilities, but they do not necessarily represent only one insurance company either. Captive agents' singular affiliation enables them to create stronger relationships with their company and its products, which can be a significant advantage in selling those specific policies.