The safest way to secure the best possible coverage for yourself is to have an independent agent help you. The good news is that it does not cost you anymore. An independent agent can help you understand what kind of insurance you may need and then provide you with a number of insurance options. Here is an example of what we mean. Restaurants are not like any other business; they have unique risks that require certain kinds of insurance to address these risks. A restaurant needs coverage like food spoilage, liquor liability and food poisoning coverage.
An independent agent does not represent just one insurer—they represent many. This gives you more options and buying power.
We think you will find using an independent agent will actually save you time, and you will have insurance coverage designed to meet your individual needs. Whether you are looking for cost-effective insurance for basic needs like homeowners and automobile insurance, or something more specialized, such as insurance for RVs, motorcycles or boats, your Leap/Carpenter/Kemps agent can help you protect your assets without breaking your budget.