NAPLIA is and independent agency that operates solely in our client's interest. Our number one goal is to provide you with a choice of comprehensive coverage options at reasonable premiums. We are not driven by contingent commissions, or other self-serving interests.

We are proud members of the Professional Liability Underwriting Society (PLUS), the Better Business Bureau, and hold the highest ranking from Dun & Bradstreet for companies our size.

Benefits of working with an Independent Agent

What is an Independent Agent?

An "Independent Agency" is a broker that represents more than one Insurance Carrier. They represent the best interest of the insured (their client) and will typically shop to several carriers to obtain the best coverage, premiums, and terms for you to make an educated decision. An "Exclusive Agency" represents one sole insurance carrier and typically works in the best interest of that carrier and not the insured.


What is the value of working with an Independent Agent?


An Independent Insurance Agent or Broker:


Provides you with the most competitive prices and coverage terms because they can access, and compare, the insurance coverage from more than one company.

Is not dedicated to any one company; thus, you don't need to change agencies as your insurance and service needs change.

Assists you when you have a claim. Is your consultant, working with you as you determine your needs.

Offers you a choice of insurance plans and programs.

Works in your best interest in finding the best combination of price, coverage and service.

Reviews your firm's risk exposures and plans insurance coverage to minimize these risks while protecting your firm's assets.

Offers one-stop shopping, eliminating the need for you to shop your coverage to other markets every year

Periodically review your coverage to keep up with your changing insurance needs.

Treats you like a person, not just another number.


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