Independent agents aren't locked into a single insurer. They compare coverage and pricing across many carriers to find the right fit — so you don't have to.
A captive agent sells for one company. An independent agent writes with many — and that difference changes everything.
A captive agent can only offer you one company's policies. An independent agent is free to write with dozens of carriers — comparing coverage and pricing to find the best fit for you, not the insurer.
Your agent lives and works in South Dakota. They understand the unique risks — from prairie hail to Missouri River flooding — and know how to protect against them.
Because independent agents aren't tied to one company, their loyalty is to you. When you file a claim, they advocate on your behalf — and if a carrier isn't treating you right, they can move your business.
From your home to your harvest, independent agents have you covered.
Every agent on this site is a member of the Independent Insurance Agents of South Dakota. That's not a formality — it's a commitment.
IIASD members invest in ongoing professional development beyond state minimums — staying current on emerging risks, new coverage options, and the changing South Dakota landscape.
Members commit to a professional code of conduct that puts client interests first. They're accountable to their peers and to the association — not just a corporate home office.
Membership isn't automatic. It signals that an agency operates with integrity, maintains proper licensing, and meets the professional standards the association requires.