06/02/2026
Captive vs. Independent Insurance... What’s the real difference?
One gives you a single option.
The other gives you options + strategy.
Captive agents work with one company. One path, one set of rules.
Independent agents can compare across multiple carriers, which means more flexibility when things change.
Same goal. Different way of getting you there.
At Portsmouth Atlantic Insurance, we don’t just quote policies. We look at the whole picture, shop the market, and help you find coverage that actually fits your life, not just the first option available.
👉🏻 Want a second look at your policy?
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