Why Being an Independent Agency Lets Us Give Thanks All Year Round

When it comes to insurance, having choices matters. At HB Insurance, our independence means we are not tied to a single carrier. This freedom allows us to focus on what truly counts: supporting our clients and the communities we serve in Maine. Being an independent agency gives us the flexibility to offer personalized guidance, find coverage that fits each client’s unique needs, and build lasting relationships based on trust and appreciation.

Putting Clients First with Flexible Coverage Options

Unlike agents who represent only one insurance company, independent agencies like HB Insurance can shop around for the best policies. This means we can:

• Compare multiple carriers to find the right coverage at the best price

• Tailor insurance plans to fit individual circumstances, whether for homes, businesses, or vehicles

• Adjust policies as clients’ needs change over time without being limited to one provider

  
  

For example, a family in Portland might need a homeowner’s policy that covers flood risks, while a small business in Bangor may require specialized liability coverage. Because we work independently, we can find solutions that match these specific needs rather than offering a one-size-fits-all product.

Building Stronger Connections in Maine Communities

Being local and independent means we are part of the neighborhoods we serve. We don’t just sell insurance; we build relationships. This connection helps us understand the challenges and opportunities unique to Maine residents and businesses. It also allows us to:

• Offer personalized service that feels neighborly and genuine

• Respond quickly and effectively when clients face losses or claims

• Celebrate local milestones and support community events throughout the year

  
  

For instance, after a severe storm in a small town, our team can provide hands-on assistance to clients navigating the claims process. We know the area, the risks, and the people, which helps us advocate for our clients more effectively than a distant, corporate agency might.

Showing Appreciation Beyond the Holidays

Gratitude is not just a seasonal gesture for us. It’s a daily practice rooted in the relationships we build. Being independent means we can show thanks in meaningful ways all year round, such as:

• Supporting local businesses by recommending trusted vendors and service providers

• Participating in community fundraisers and events that matter to our clients

• Sending personalized notes or small tokens of appreciation after helping clients through tough times

  
  

These actions strengthen trust and remind clients that we value them beyond their insurance policies. It’s about being a reliable neighbor who shows up when it counts.

Advocating for Clients When It Matters Most

Insurance can feel complicated, especially after a loss. Our independence allows us to stand firmly on our clients’ side, helping them navigate claims without pressure from any single carrier. We take the time to:

• Explain coverage details clearly and honestly

• Guide clients through the paperwork and timelines involved in claims

• Negotiate with insurance companies to ensure fair settlements

  
  

This advocacy builds confidence and peace of mind. Clients know we are working for them, not for an insurance company’s bottom line.

Supporting Maine’s Small-Town Spirit

Maine’s communities thrive on close connections and mutual support. As an independent agency, HB Insurance embraces this spirit by:

• Celebrating local traditions and festivals alongside our clients

• Partnering with community organizations to promote safety and well-being

• Encouraging clients to protect what matters most to them, from family homes to local businesses

  
  

Our independence lets us be flexible and responsive, adapting to the needs of each town and neighborhood we serve.

Being an independent insurance agency means more than just offering a variety of policies. It means putting people first, building trust, and giving thanks every day by showing up for our clients and communities. At HB Insurance, this approach helps us create lasting relationships that go beyond insurance — relationships rooted in care, respect, and genuine appreciation.