Independent Agents are licensed professionals who offer personal service, insurance products from several competing companies and advice about how much and what type of insurance you need. Because your agent has access to several companies' insurance offerings, he or she can customize an insurance solution just for you Some agents only represent one insurance company and can only offer you that company's products. An independent agent represents several companies and will consider products from all of them before suggesting one that is best for you. So when your independent agent recommends a particular company, it would be for your benefit.