We Work for You. Not for a Carrier.

Most insurance agents represent one company. We represent multiple Top Rated Insurance Carriers — which means when your situation changes or your rate goes up, we have options. That's the independent advantage.

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What Makes an Independent Agent Different

When you buy insurance through a captive agent, you're buying from someone employed by a single insurance company. Their job is to place you in that company's products, at that company's rates, under that company's terms. If a better fit exists elsewhere, they can't offer it.


An independent insurance agent provides expert advice, personalized coverage recommendations, and quotes from a variety of insurance carriers—all at no additional cost to you.


That distinction matters every time you renew, every time your circumstances change, and most of all, every time you have a claim.

Multiple Carriers.

One Phone Call.

Logan Insurance Agency represents multiple carefully selected carriers. When one carrier raises your rate at renewal, we re-shop your coverage across the others. You keep your agent. You keep your relationship. You just get a better number.


A captive agent cannot do this. When their one company goes up, your only move is to leave and start over somewhere else.

The Misconception Worth Clearing Up

One of the most common assumptions about independent agents is that they cost more. The opposite is true.


Because we shop multiple carriers on your behalf, we can identify which company is pricing your specific risk most competitively at any given time. Captive agents have no such leverage — you get one rate from one company, and that's the ceiling. With an independent agency, the competition between carriers works in your favor.

What Happens When You Have a Claim

This is where the independent model proves its value most clearly.


A captive agent is an employee of the same company now evaluating your claim. An independent agent has no financial stake in how that claim is settled — our interest is in making sure you're treated fairly and that your coverage does what it was supposed to do.


We know your policy. We know what you were promised when you bought it. And we're in your corner when it counts.

Why Logan Insurance Has Been the Choice Since 1959

Logan Insurance Agency has served Hocking County as an independent agency for more than 65 years. We're not a call center. We're not a national franchise. We're a multi-generational family agency with deep roots in this community — and a 4.9-star Google rating that reflects what that relationship looks like in practice.


Our clients' loyalty is to us, not to any one carrier. That's only possible because we've earned it by putting their interests first, year after year.

Independent vs. Captive: A Direct Comparison

Carrier access

Independent agents represent multiple carriers. Captive agents represent one.

Rate shopping

Independent agents shop your coverage with multiple companies competing for your business. Captive agents cannot.

Loyalty

Independent agents work for the client. Captive agents work for their carrier.

Claims advocacy

Independent agents advocate for you during a claim. Captive agents are employed by the company paying the claim.

Coverage options

Independent agents can address gaps across multiple carriers. Captive agents are limited to one product portfolio.

Cost

Independent agents use carrier competition to find the best rate. Captive agents offer one price from one company.

Common Questions About Independent Insurance Agents

  • How does an independent insurance agent get paid?

    Independent agents earn a commission paid by the insurance carrier when a policy is placed. That commission is built into the premium — you do not pay a separate fee to work with us. Because we represent multiple carriers, our compensation does not depend on placing you with any one company, which means our recommendation is based on what fits you best.

  • What is the difference between an independent and captive insurance agent?

    A captive agent is contracted exclusively with one insurance company and can only offer that company's products. An independent agent holds contracts with multiple carriers and can shop your coverage across all of them. The practical difference is choice — in carriers, in coverage options, and in pricing.


  • Is my independent insurance agent licensed?

    Yes. Independent agents in Ohio are licensed by the Ohio Department of Insurance and must meet the same continuing education and compliance requirements as captive agents. Logan Insurance Agency has held its license continuously since 1959 and is authorized to write coverage across all lines we offer.

  • Will I pay more to use an independent agent?

    No — and in many cases, you'll pay less. Because we can compare rates across seven carriers, we identify which company is pricing your specific risk most competitively. A captive agent has no equivalent ability to shop on your behalf.

  • What happens to my policy if I switch carriers?

    If we move your coverage to a different carrier at renewal, your relationship with our agency stays exactly the same. You'll still call the same number, work with the same people, and receive the same service. The only thing that changes is the carrier name on your policy — and usually, your rate.

Logan Insurance Agency is an independent insurance agency licensed in Ohio and headquartered at 53 S. Market St., Logan, OH 43138. We have represented Hocking County families and businesses since 1959 and hold contracts with multiple carriers across personal, commercial, life, and health lines. Learn more about our agency and our team on our about page.