Which agency structure requires agents to operate under a single insurer’s branding?

A captive agency structure necessitates that agents represent and sell insurance products exclusively for a single insurer. This means that agents operate under the branding and guidelines of that one insurer, often promoting its products as their own. This exclusive relationship allows the insurer to maintain a consistent brand image and control over the marketing and distribution of its insurance products, ensuring that agents are aligned with the company's values and strategic objectives. In contrast, independent agencies work with multiple insurers, providing clients with a variety of options, while direct response agencies focus on selling insurance directly to consumers, typically without a traditional agent involved. General agencies serve as intermediaries that may work with several insurers but do not require the exclusive representation that characterizes captive agencies.