A captive agent can only sell you their own company's product at their own company's price. We put your account in front of 50+ A-rated carriers and make them compete — the difference between accepting a renewal and negotiating one.
Independent advocacy · 50+ A-rated carriers · Admitted & specialty markets
Captive agents and direct carriers offer only their own products at non-negotiable rates. Without independent broker market access, you can be overpaying for coverage while missing better options from competing carriers. As an independent brokerage, First Underwriters markets your program across 50+ A-rated carriers — admitted, regional, specialty, and surplus-lines — creating genuine competition and the leverage to negotiate on price, terms, and coverage.
Illustrative examples of what happens without real market access — and how an independent broker changes the outcome.
Enter your current annual premium and a savings scenario. Moving to a competitively-marketed program often lands in the 10–25% range at equal or better coverage.
Illustrative only — actual results depend on your risk, loss history, and market conditions.
At this rate, three years of competitive marketing is worth about $81,000 — money a captive renewal quietly leaves on the table.
Four moves that turn your renewal from a rubber-stamp into a market event. Click through each.
Filter by focus or search to see how deep our carrier access and negotiation toolkit runs.
Since 1992 we've built direct ties with underwriters, regional managers, and carrier leadership — access and leverage most agents simply don't have.
Poor loss history, high-hazard operations, new ventures, unusual exposures — we place the "challenged" accounts other brokers can't, in the right markets.
From PNW regional carriers who understand local risk to national capacity and licensed surplus-lines access when standard markets won't write it.
Let us market your insurance across 50+ carriers and negotiate aggressively on your behalf. See what genuinely competitive pricing and optimal coverage terms actually look like.
Or email us at info@firstunderwriters.com
Descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder. The scenarios and any savings figures shown are illustrative examples, not guarantees or representations about specific companies; actual results vary by risk, loss history, coverage, and market conditions. Carrier availability and appetite change over time and are subject to underwriting. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
