The Captive Agent Resource: Fill Coverage Gaps Without Losing the Relationship
When your carrier can’t write it, we quietly place it—so your client stays yours and fully protected.
Protect Your Book & Client
You shouldn’t have to choose between protecting your client and protecting your book. When your carrier can’t cover a risk, we step in as your behind-the-scenes partner—placing the right policy while you keep the relationship, the trust, and the next renewal.
Captive agents at State Farm, Allstate, Farmers, American Family, and other carrier-exclusive teams
Local Chicagoland producers who need market access for out-of-appetite, niche, or E&S risks
Agency owners who want a compliant, documented referral option that safeguards their client relationships
Let's Say Yes Without The Risk
You’re forced to say “no” to good clients when a risk falls outside your carrier’s appetite—coastal property, unique commercial classes, specialty personal lines, or a messy loss history. Without a safe, trusted path, those clients shop elsewhere, and you risk losing the entire household.
That “no” can snowball into:
A vulnerable coverage gap and potential E&O exposure
A frustrated client who feels abandoned and starts price-shopping everything
Lost lifetime value as the household migrates to a competitor who “can do it all”
The Big Rock Captive Agent Partnership
We give you independent market access without risking your client relationship. We place the policy you can’t write, keep you in the loop at every step, and never solicit or quote competing lines. Your client is fully covered. You remain their primary advisor.
MY SERVICE
STANDARDS
Expertise you can trust: Independent market access and specialty/E&S experience, plus healthcare-focused certifications that bring clarity to complex benefit decisions.
Authoritativeness: We work with top-rated, reputable carriers and underwriters. Proposals are plain-spoken and client-friendly.
Trustworthiness and transparency: Written Non‑Solicitation Pledge, process updates at each milestone, and documented renewal protocols to prevent surprises.
"I appreciate how Big Rock Insurance kept it simple and found me the right coverage without wasting my time. Derek had great communication and insight. Getting quoted was a smooth and easy process."
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