Independent Broker vs. Captive Agent: What's the Difference?
A captive agent works for one carrier. An independent broker works for you. Here's why that distinction matters when it's time to file a claim or shop for better rates.
Boutique Service. Broad Market Access.
An independent insurance agency serving Texas families and businesses — and commercial clients across 48 states — with personal service and access to a broad range of insurance markets.
At Shay Koko Insurance Agency, you get the personal relationship and attentive service of a boutique agency — combined with access to a broad range of insurance markets across personal, commercial, health, life, and pet insurance.
Through direct carrier appointments, insurance networks, platforms, and strategic partnerships, the agency has built multiple avenues to the market. Instead of fitting every client into one company, Shay reviews the options available and looks for coverage that fits that particular person, family, or business.
That's The Koko Way. One relationship. More possibilities.
Unlike captive agents who represent a single insurance company, an independent agency works for you — with access to multiple carriers and markets to find options that fit your situation.
Access to multiple insurance carriers and markets means more options to compare — not just one company's lineup. The right fit depends on your situation, not on what one carrier offers.
Loyalty is to the client, not the carrier. You'll hear what you actually need — and what you don't — so you're never over- or under-insured.
When something goes wrong, you want someone in your corner. Shay is here before, during, and after a claim — not just at renewal time.
Personal and commercial insurance solutions — from individual families to businesses operating across the country.
Auto, homeowners, renters, landlord, pet, life, and health insurance for individuals and families. Coverage tailored to your life and your budget.
Commercial insurance market access across 48 states. From general liability and commercial property to industry-specific coverage — for businesses of all sizes.
Access to 50+ life insurance carriers through BackNine and Ethos. Term, whole, and universal life options to secure your family's future.
Because your pets are family too. Coverage that helps you say yes to the care they deserve.
Commercial Insurance
Although Shay Koko Insurance Agency is Texas-based, commercial market access extends across 48 states through Smart Choice and other available commercial relationships — subject to carrier availability, underwriting, licensing, and product eligibility.
Shay Koko Insurance Agency has built multiple avenues to insurance markets — so if one available market isn't the right fit for your situation, there may be others to explore.
A key agency relationship providing commercial insurance market access across 48 states, plus personal-lines markets and opportunities for direct carrier appointments.
Learn moreAccess to numerous personal-lines insurance markets, select commercial opportunities, and direct carrier relationships — an important component of the agency's broad market-access strategy.
Learn moreAdditional market access across personal and commercial insurance lines, complementing Smart Choice, First Connect, and the agency's direct carrier appointments.
Learn moreThe agency's health insurance resource. Shay Koko Insurance Agency is appointed with BCBS of Texas, Angle Health, Aetna, and Guardian.
Learn moreA life insurance platform providing access to a broad range of life insurance carriers, allowing Shay to explore options based on each client's needs and circumstances.
Learn moreTogether with BackNine, Ethos expands the agency's life insurance market access to 50+ carriers — term, whole, and universal life options for a wide range of clients.
Learn moreIn addition to networks and platforms, the agency maintains direct carrier appointments — another important part of its broad market-access strategy.
Market access does not guarantee availability of every product, carrier, or coverage type in every state. All coverage is subject to carrier availability, underwriting requirements, licensing, and individual eligibility.
Shay Greene
Licensed Insurance Agent · Dallas–Fort Worth, TX
Licensed Insurance Agent & Claims Adjuster · Dallas–Fort Worth, Texas
I started Shay Koko Insurance Agency because I believe everyone deserves an insurance experience that actually makes sense — one where you understand what you're buying, why it matters, and who to call when things get complicated.
As an independent agency, I'm not tied to any single insurance company. Through direct appointments, networks, and strategic partnerships, I have access to a broad range of markets — so I can look for options that fit your situation, not just what one carrier offers.
I also hold a claims adjuster license. That means I bring perspective from both sides of the insurance process — helping clients obtain coverage and understanding what happens when a covered loss becomes a claim. It's additional knowledge I bring to every client relationship.
Licensed in Texas — General Lines # 2354828 · Claims Adjuster License · Agency # 3532413
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Real talk about coverage, costs, and what actually matters.
That's The Koko Way.
Submitting a form does not bind coverage or make insurance effective. Coverage is effective only after carrier acceptance and written confirmation from your licensed agent.