- Captive agents can only provide coverage through one insurer.
- Independent agents can offer many different coverage options through their many appointed insurers.
A Texas Business Insurance Update Buying business insurance is like investing in your business. While you may never have a claim, if you do the resources provided by your insurer can keep your business going. That is why it is important to have an agent who understands your needs and can help you design a business insurance program that fits your needs. Where to Start? Understand the difference between agents.