Hazard Insurance Group
Hazard Insurance Group
"We're here to service your insurance needs!"
Hazard Insurance Group
Hazard Insurance Group

Independent Insurance Agent
Trusted Choice
Hazard Insurance Group Hazard Insurance Group: Independent Agents
Hazard Insurance Group
Hazard Insurance Group

Companies We Represent
Hazard Insurance Agency
American Commerce Chubb CNA Grange The Hartford Kentucky National Liberty Mutual Progressive Insurance Safeco State Auto Travelers Zurich
Hazard Insurance Group
Hazard Insurance Group

Independent Agents

Why Choose an Independent Insurance Agent

Some people think it does not really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance is not like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Do not treat the purchase lightly!

There is a difference in where you buy your protection. Many people do not realize there are four sources for insurance:

  • Captive Agents - Sell consumers the insurance of only one company.
  • Telephone Representatives - Offer consumers the insurance of one company and only via the telephone.
  • Internet Sites - Consumers can fill out an application online and get an insurance quote without any help or direction from a qualified professional.
  • Independent Insurance Agents - Represent an average of eight insurance companies and research with these firms to find consumers the best combination of price, coverage and service.

Your Independent Insurance Agent:

  • Is a licensed professional with strong customer and community ties.
  • Provides excellent service and competitive prices because he or she can access the insurance coverage from more than one company.
  • Unlike other agents, is not beholden to any one company; thus, policyholders do not need to change agencies as your insurance and service needs change.
  • Assists policyholders when they have claims.
  • Is a consumer's consultant, working to determine the consumer's needs.
  • Offers consumers a choice of insurance plans and programs.
  • Is a value hunter who looks after the consumer's pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products - home, renters, auto, business, life and health.
  • Can periodically review a policyholder's coverage to keep up with changing insurance needs.
  • Treats policyholders like a person, not just another number.

Customer satisfaction is the key to an independent agent's livelihood. So, serving policyholders is an independent agent's most important concern.

Hazard Insurance Group
Hazard Insurance Group
Hazard Insurance Group
Hazard Insurance Group
420 Main Street
Hazard, Kentucky 41702
Phone: 606-436-3165
Fax: 606-436-3447
hig@hazardins.com

Hazard Insurance Group
Hazard Insurance Group
Hazard Insurance Group
Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.
Hazard Insurance Group

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Privacy Notice: Your privacy while visiting our website is important to us. Because there are parts of our site where we ask you to provide us with certain types of personal information about yourself, we want you to know how we will use it. We will use the information that you give us explicitly for the purposes stated on any online electronic form on this website, which in most cases will be for quoting, service, and information requests. We will not sell, share, or turn over any information you provide to any other person or organization. We may make it part of a reference source for future contact with you by our organization. We take your privacy very seriously, and ask that you contact us directly if you have any questions or concerns about the use of our website.
Hazard Insurance Group