Independent agency — we shop 8+ carriers for you
The right coverage.
The right price. Every renewal.
One captive agent can only sell you one company's policy. We compare auto, home, life, health, and business insurance across 8+ top-rated carriers — then keep shopping at every renewal so your rate stays honest.
No spam, no robocalls — a licensed advisor reviews every request personally.
Quoting top-rated carriers including
- Progressive
- Travelers
- Hartford
- Liberty Mutual
- Chubb
- Nationwide
- Safeco
- Hanover
8+ carriers compared
One conversation, multiple quotes. We do the shopping.
Licensed advisors
Real people who explain coverage in plain English.
We work for you
Independent means our loyalty is to clients, not a carrier.
Claims advocacy
When you have a claim, we're in your corner — start to finish.
Coverage for everything you've built
Personal or commercial, simple or complex — we build the protection around you, not the other way around.
Personal Insurance
View all →Auto Insurance
Liability, collision, and comprehensive coverage for your vehicles — quoted across multiple carriers so you never overpay for the protection you need.
Learn moreHomeowners Insurance
Coverage for your home's structure, your belongings, and your liability — built around your home's real replacement cost, not a guess.
Learn moreRenters Insurance
Affordable protection for your belongings and your liability — most renters policies cost less per month than a streaming subscription.
Learn moreUmbrella Insurance
Personal liability coverage that sits on top of your auto and home policies — protecting your savings, your home equity, and your future income from a catastrophic lawsuit.
Learn moreLife Insurance
Term and permanent life insurance from multiple highly rated carriers — sized to replace your income, pay off the mortgage, and fund your family's future.
Learn moreHealth Insurance
Individual and family health coverage — ACA marketplace plans, short-term options, and Medicare guidance — explained in plain English by a licensed advisor.
Learn moreBusiness Insurance
View all →General Liability Insurance
Covers third-party bodily injury, property damage, and advertising injury claims — the baseline coverage nearly every business contract and commercial lease requires.
Learn moreBusiness Owners Policy (BOP)
Combines general liability, commercial property, and business interruption coverage into one streamlined policy — the standard starting point for small and mid-size businesses.
Learn moreWorkers' Compensation Insurance
Pays medical care and lost wages for work-related injuries, protects you from employee lawsuits, and keeps you compliant with state law.
Learn moreCommercial Auto Insurance
Liability and physical damage coverage for business vehicles — plus hired and non-owned auto protection for employees driving personal cars on company business.
Learn moreCyber Liability Insurance
Covers data breaches, ransomware, funds-transfer fraud, and business interruption from cyber events — plus the incident-response team that gets you through the first 72 hours.
Learn moreProfessional Liability (E&O) Insurance
Errors & omissions coverage for service providers and advisors — defends and pays claims that your work, advice, or oversight caused a client financial loss.
Learn moreThe independent difference
A captive agent sells you one company. We shop the market for you.
When your agent can only quote one carrier, "the best they can do" means the best that one company can do. As an independent agency, Tabor represents you — not an insurer. We compare coverage and price across 8+ carriers, recommend what actually fits, and re-shop your policies when rates move.
- Multiple quotes from one conversation — we handle the applications
- Advice on coverage gaps, not just price (limits, deductibles, endorsements)
- Automatic market check at renewal — if your carrier raises rates, we move you
- One agency for everything: auto, home, life, health, and your business
Captive vs. Independent
| Captive agent | Tabor | |
|---|---|---|
| Carriers quoted | 1 | 8+ |
| Works for | The insurer | You |
| Rate goes up? | You start over | We re-shop it |
| Coverage advice | One product line | Whole market |
Clients who stopped overpaying
The best measure of an agency is what happens after you buy the policy.
“They re-shopped my auto and home at renewal and cut my total premium by almost $900 a year — same coverage, better carrier. I didn't fill out a single application myself.”
Melissa R.
Auto + Home bundle
“As a new contractor I needed GL, workers' comp, and a certificate for a job starting Monday. They had me covered and the COI in the GC's inbox the same afternoon.”
Dan K.
Small business owner
“After our kitchen fire, our advisor handled the carrier so we didn't have to. Hotel covered, claim paid, zero runaround. That's why you use an agency instead of an 800 number.”
Priya & James T.
Homeowners claim
Ready to see what the right coverage costs?
Tell us a little about what you need to protect. We'll shop multiple carriers and come back with real options — usually within one business day.