Why capstone?
we understand the relevance and importance of what we do as a local independent agent.
People today purchase more items online with a click of a button. Should your insurance policy be sitting on a shelf, pre-packaged and ready to buy? At Capstone we don’t believe insurance policies are one-size-fits-all. We feel your policy should be tailored to fit your needs and evolve as your life changes. Choosing the right agent is just as important as the policy you select.
Who’s Your Agent?
When People purchase insurance online or by calling a 1-800 number, they often do not realize they have no agent. It’s not until they incur a loss and need help with their claim that they realize the importance of having an agent advocate for them and help navigate the process. Capstone stays active in professional organizations to assure we know the key individuals that work for the companies we represent including adjusters, managers, underwriters, and owners.
compare the difference
Features
Works for you, not a Company
Your advocate in claims process
Can shop renewals in house
Quotes 3-20 Carriers per policy
Works with Insurance Brokers
Involved in Professional Organizations
Handles all types of insurance
Understands Louisiana Risks & People
Direct Writers
Online / Call CentersX
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X
X
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Captive Agents
Other Insurance ProvidersX
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In today’s market
consumers purchase insurance through three avenues - direct writers, captive agents, or independent agents.
Independent Agents
At Capstone, we are Independent agents. Independent agents are self-employed and do not work for any specific insurance company. They are contracted with numerous insurance companies and brokers for each line of insurance they write. This diversity also allows independents to offer many options and help with hard-to-place risks. Independent agents work for the policyholder, not the insurance company.
The purpose of insurance is to protect your property, investments, and family by making you whole again should you suffer a loss from a covered peril. Therefore, the agent has a crucial role in the life of an insurance policy from start to finish.