Insurance Secrets Every New Contractor Needs to Know (That Agents Won’t Share)
If You Knew What I Know — You’d Shop Very Differently
“Independent” Doesn’t Mean Full Access — Most agents only work with a few carriers, even if they say they’re “independent.”
Cheap Quotes Are Easy to Manufacture — They just cut subs, tools, limits, or endorsements.
Your Insurance History is Public — Every switch, every limit, every late pay — tracked like credit.
Underwriters Trust Some Agents More Than Others — Same contractor, different agent = totally different pricing.
Big Agencies Don’t Prioritize Smaller Accounts — If you’re under $20k premium, you’re often stuck with junior reps.
Claims Reputation Matters More Than Premium — Some carriers pay clean and quick. Others delay and deny.
Agents Won’t Explain Unless You Push — If you say “just the cheapest,” that’s all you’ll get.
GC Requirements Aren’t Real Protection — You can be compliant and still totally exposed.
Most Agents Prefer You Stay in the Dark — Less you know = easier to sell a cookie-cutter policy.
Default Programs Are Overpriced and Underpowered — Especially for work comp, auto, and tools.
Quick Win: Ask Your Agent These 5 Questions
What companies do you actually have access to?
What was cut to make this quote cheaper?
What does my file look like to underwriters?
Who handles my account — you or a rep?
Which carrier would you pick if this was your business?
Why I Care?
I’ve seen what happens when contractors are left in the dark. The right agent doesn’t just quote — they protect.
Bottom Line Ask better questions. Know what’s really going on. And work with someone who plays the long game with you.
