There are two types of insurance agents:

• Captive Agents, who only work for one company
• Independent Agents, who own their businesses and do not work directly for any insurance companies

An independent agent can offer you a wide variety of coverage options that can be customized to your specialized needs. They represent several companies, and can offer you the best combination of price and coverage. We, at Kohler and Green, do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service.

Choosing the right agent is much like choosing a family doctor. Your agent should be knowledgeable, and take the time to understand what is important to you. As your needs change over time, he will be able to make adjustments to your policies to make sure you are protected, and should be able to clearly explain the options available, and answer your questions. In addition to being helpful, they should have a strong customer service focus, and be easy to reach. Independent agents are not employees of the insurance company, and therefore can serve your best interests, and be an advocate for you, because you are their customer.

We know this is true, and we strive to provide the very best service and support, even after the policy is in effect. We represent a carefully selected group of financially sound, reputable insurance companies. You get the best coverage at the most competitive price.