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Retail vs. Wholesale

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Retail Workers Comp Insurance

We offer insurance solutions for retail stores and operate as a national retail and wholesale insurance agency.
 

Workers compensation insurance for retail businesses.

Workers Compensation Shop.com is a national insurance agency licensed to quote in every state throughout the country.  We offer retail and wholesale workers compensation insurance services to retail business owners, agents, brokers, and agencies.  Contact a Specialist today for information about our workers comp programs or start a free quote today.

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Retail vs. Wholesale Insurance

Most employers don't understand that the insurance products and services offered by different insurance agencies will likely be significantly different between agencies.  Finding the best agency to buy coverage from starts with understanding the insurance market and how the system works.  When trying to choose an agency to work with, its always helpful to understand the difference between a retail agency and a wholesale agency.

Retail Workers Compensation Insurance

A retail insurance agency is an agency consisting of a group of one or more "captive" agents, or a group of one or more "independent" agents.  A captive or captured agent represents only one insurance company such as Farmers, AllState, State Farm, or Shelter.  An independent agent is free to contract with any private insurance company willing to offer a contract. 

Retail insurance is usually associated with the term "agent", and wholesale insurance is associated with the term "broker".  However, many states no longer differentiate between agent or broker.

Retail agents typically represent a select few insurance companies and depend on these companies for programs and rates.

Wholesale Workers Compensation Insurance

A wholesale agency typically specializes in one or two lines of coverage.  They are often able to offer more specialized insurance programs than retail agents because they typically have deeper relationships with their insurance companies.  Many wholesalers have the ability to quote and bind insurance coverage on behalf of the companies they represent.

Workers Compensation Shop.com Benefits Employers and Agents by Offering Both Retail and Wholesale Insurance

Retail and wholesale agents and brokers offer different advantages to different customers.  Retail agents typically work directly with their insurance customers, while most wholesalers only work through other agents and brokers or certain specialized customers.

Because Workers Compensation Shop.com is a national insurance agency writing a tremendous volume of workers comp insurance with dozens of insurance companies we have the luxury of operating as a retail and wholesale agency and brokerage.  The benefit to our customers include:

When your ready to shop for workers compensation, consider shopping your coverage with a super-independent agency/brokerage like Workers Compensation Shop.com.  We work with employers and agents across the country to help find the lowest rates and best quotes for your next workers compensation policy.

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INSURANCE FACTS

Captive or Captured Agent

A captive agent is an agent that is only contracted with one insurance company and is captive to that company.

Independent Agent

An independent agent is free to quote insurance with a variety of different insurance carriers and may offer several quotes in order to compare policies. 


 

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