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Is Your Agent a Hero?

In this Risk Raiders LLC episode, Jeff Shropshire and Brent Borgstedte dive into the world of insurance agents—captive vs independent, order‑taker vs true advisor—and how those differences impact your auto, home, and business insurance coverage. They explain why choosing the right insurance agent can matter more than chasing the cheapest premium, especially when you have a major claim. ​ You will hear real‑world stories about how losses affect insurance rates, what a “superhero agent” actually does for clients behind the scenes, and how to balance price, coverage limits, and deductibles in today’s hard insurance market. If you are a homeowner, business owner, or anyone trying to protect your family’s financial future, this conversation will help you ask better questions and find the right agent relationship. ​Takeaways -Different types of agents: captive, independent, order‑taker vs true advisor, and why their personality matters for your coverage. ​-What a “superhero” insurance agent actually does when claims happen and how they navigate the marketplace for you. ​-Why the cheapest premium is not always the best choice once you understand coverage, limits, deductibles, and long‑term risk. ​-How losses and claims history really impact your rates over time, and what good agents do to help manage that. ​-Practical questions to ask yourself and your agent to decide if you have the right relationship for your family or business. Timestamps 00:00 – Introduction, national security story, and setting up “risk” as a theme ​03:30 – What an insurance agent really is (and isn’t) in today’s market ​11:29 – Types of agents and agent personalities: order‑taker vs advisor vs “superhero” ​18:54 – How agents shop the marketplace, balance price and coverage, and help at claim time ​27:00 – How losses affect premiums and why the right agent matters more than ever in a hard market ⚠️ Disclaimer: This conversation is for general information and entertainment only. It is not legal, tax, or insurance advice and does not change or interpret any specific policy. Always review your own policy and consult directly with your licensed insurance professional, attorney, or accountant about your particular situation. #RiskRaiders #InsurancePodcast #InsuranceAgent #IndependentAgent #InsuranceBroker #AutoInsurance #HomeInsurance #BusinessInsurance #CommercialInsurance #RiskManagement ​ ​ ​ ​