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We're an independent brokerage in Kansas City representing 20+ carriers across business, home, auto, and life. Send us your declarations page and we'll walk you through what's in it, then shop the market to see if there's a better fit.
Free, no obligation. We'll reach out within 2 business hours.
Start where you are
Pick the moment that sounds like you. Each tile walks through what just changed, what to check, and what we'd actually do next.
Premium's up double-digits, but nothing changed on your end. Here's what we'd check, and what we'd do.
General liability, businessowners policy, workers comp, cyber. Which of these you actually need depends on what you actually do.
Workers comp's now mandatory. Plus the cheap coverages that prevent EEOC letters and 1099 audits.
BOPs cap out around $1M revenue. The package upgrade buys real limits and surfaces the gaps.
The lender just wants a binder. We'd take ten more minutes to get Coverage A right and add the umbrella.
Shared address, mixed assets, mixed driving records. When to combine policies, and when to keep them separate.
Biggest jump in auto liability you'll ever see. The right carrier and a $1M umbrella take the edge off.
Your homeowners policy excludes business pursuits. A small commercial stack closes the gap.
Life insurance gets real. Liability limits go up. Umbrella finally makes sense. One new-parent review covers it all.
A captive agent works for a single carrier. We work for the policyholder. Here's how that plays out — at renewal, at claim time, when rates jump, and when nobody else will write you.
Who they represent
PolicyNest
You, the policyholder.
Captive agent
The carrier that hired them.
Carriers available
PolicyNest
Twenty-plus, side by side.
Captive agent
One. Take it or leave it.
When rates go up
PolicyNest
We re-shop and explain what changed.
Captive agent
"That's just the renewal."
When you're declined or non-renewed
PolicyNest
We move you to another carrier, often same day.
Captive agent
Often a referral to shop elsewhere.
Range of products
PolicyNest
Home, auto, life, business, specialty.
Captive agent
Whatever their carrier writes.
Hard-to-place risks
PolicyNest
We know who says yes.
Captive agent
Often a no.
When your business or life outgrows the policy
PolicyNest
We upgrade the form or move the policy.
Captive agent
Stay in their lane, or leave.
What we send back to you
Send us your dec pages and we'll walk through what's actually in them, line by line, in plain English, with the gaps and the over-coverage flagged. Yours to keep, no obligation to switch.
Opinions, stated as such
I.
You can't evaluate, defend, or use a contract you haven't read. Most policyholders haven't. We treat reading-comprehension as the job, not a side benefit. The Library and glossary are free, public, no email gate. We'd rather lose a sale than have a client sign something they don't understand.
, Nick Rhodes, agent
II.
Independent means we represent twenty-plus carriers and zero of them. When we recommend a policy, we tell you the cheapest option, the one we'd buy ourselves, and why those are sometimes different. When we read your renewal, we're reading it for you, not defending the company that wrote it. The carrier writes the contract. We read it on your side of the page.
, Hunter Patterson, agent
What they said after
“👍🏽 happy with the service and savings”
, Nathan O., general
★★★★★“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
, Quick Cut Productions, general
★★★★★“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
, Zach L., general
★★★★★One page. Free. Commercial or personal. By a licensed broker who has read about 4,000 of these. We'll get back to you within 2 business hours with the 1-pager that matters.
What you get back