An Introduction to the Independent Insurance Agent

What makes someone an independent insurance agent? What does it matter to individuals and businesses? What are the benefits? Are there any drawbacks?

An Independent Agent, or in our case, an Independent Agency, is an agency that is not bound to a single company. For example, Copple Insurance Agency has contracts with many companies, including but not limited to: the Cincinnati Insurance Companies, CNA, General Casualty, Bituminous, Progressive, Met Life, and so on.

Having multiple of companies to choose from is a huge benefit for our customers as we are not forced to sell from only one company. This allows us to choose the right company for each situation.  By giving us a few pieces of information, we can give multiple quotes on each line of insurance, and select the policy that has the right coverage at the best value.

Being an Independent Agency, we strive to provide phenomenal customer service. Our clients know that when they need us, we’ll be there. They also know that when they call in, they will be talking with a licensed insurance agent that cares about them.  We also strive to create a lasting relationship with our clients. In fact, we would rather call them our friends and partners. So, our friends know that they can count on us to be honest, dependable, and caring for them. 

You don’t have to take our word for it though, click HERE to see what they are saying about us online!

We are a one-stop-shop; we can take care of your Homeowner’s, Automobile, Personal Umbrella, Boats, Aircraft, and Valuable Property insurance. We can also take care of all of your business’s insurance too: Property, General Liability, Commercial Umbrella, Worker’s Compensation, Commercial Auto, Inland Marine, Professional Liability, Bonds, and more! Just think about how convenient it could be having all your insurance with the same agency you know and trust!

As Independent Agents, we take a consultative approach to insurance. We believe insurance is not a commodity, and needs to be respected for the intricate creature it is. That’s why we explain what we're selling, because an informed buyer is the best buyer. We are committed to selling you only what you need, and have years of experience in finding coverage gaps and other potential pitfalls. We also offer risk management through the companies we represent and in-house methods. Everything we do is to create a better experience for our friends and partners.

If you've never heard of an independent agent, that’s because we don’t have multitudes of television, radio, online, billboard, and print advertisements constantly reminding you. The independent agent typically relies heavily on word-of-mouth to find him or her new clients. 

So if you’re not already with an independent agency, consider giving one a chance the next time you’re looking for insurance. You might just be pleasantly surprised what your hometown-agency can offer. If you are already with one, tell a friend—let them know what they've been missing!


Colten Zamrzla, CPCU

Colten first started in the insurance industry in 2010. He then pursued a Bachelor's degree in Finance & Insurance from the University of Nebraska at Lincoln. Once graduated, he immediately started studying for the CPCU and achieved it in just shy of a year. He is solely focused on commercial insurance, able to assist all types of businesses and nonprofits in risk management.

Colten has dedication and passion for his clients and the insurance industry as a whole. He dedicates time to furthering his knowledge on all things business and insurance, and he volunteers for the Independent Insurance Agents of Nebraska, a state-based trade association.