Insurance built around real life, not product categories.

Independent means we are not owned by an insurance company and we do not carry a quota for one. Vantage Point Risk started in January 2019 as an Allstate agency and we sold that book in June 2021. A single-company appointment limits you to what that company is willing to write, so when it declines a house or prices a fleet out of reach, you have nowhere else to send it.

Today we hold appointments with 86 carriers and specialty markets, and your account only goes to the ones that want that kind of house, building or operation. Working out which of them that is, before anyone fills in an application, is most of what we do. When none of our markets will take a risk, we go find one that will.

Price follows fit more often than people expect. A carrier that wants the business usually prices it better, and on most accounts we review there is stronger coverage available for what the client already pays. We do not write state minimums or trade coverage away to make a premium look smaller.

Coverage also gets scattered over the years, and nobody reviews the whole set until a claim finds the seam between two policies. Certificates, lease requirements and lender endorsements are where those seams usually turn up.

Who writes the policy and who decides the claim

Vantage Point Risk is an insurance agency, which means the company whose name goes on your policy is not ours. A carrier underwrites the risk, files the rates that set your price, and decides what a claim pays. We work the other side of that: choosing which carriers ever see the account, presenting the risk so an underwriter reads it accurately, and building the coverage that is on the policy before anything happens.

The difference shows up on the day something goes wrong. When a claim comes back short, we can document it, escalate it, and put the file back in front of an underwriter or a claims manager, and we do. We cannot overturn the decision, and any agency that tells you it can is selling you something. What an agent actually changes is what the policy said before the loss, and that gets settled months earlier, when the coverage is written.

Buying straight from a carrier gets you one company's answer. That is fine when it happens to be the right company for your house or your operation, and there is no way to know whether it is without asking the others. We hold appointments with 86 carriers and specialty markets, so the comparison happens before you buy instead of after a renewal you did not see coming.

Carriers pay us a commission out of the premium, so comparing several of them costs you nothing on a standard account. On hard-to-place and surplus lines business, where a wholesale market sits in the middle, a separate agency fee sometimes applies. It is on the quote before you agree to anything, and never after.

Day to day it sorts out simply. A payment or a policy change comes to us. A claim can start with either of us. The decision on that claim comes from the carrier, and our claims page walks through which call to make in what order.

The carriers we work with

Those appointments spread across national carriers, specialty and surplus markets, and life companies: Travelers, Nationwide, Liberty Mutual, Safeco, The Hartford, Chubb and Mercury on the standard side, Hiscox, Markel, Coalition and At-Bay for specialty and cyber, Hagerty and the Oregon FAIR Plan for hard-to-place risks, and Lincoln Financial, MassMutual and Mutual of Omaha for life.

See all the companies we work with