Red Wave Insurance Services

Red Wave Insurance Services is an independent insurance brokerage that places personal and business coverage. Its personal lines include auto, homeowners, renters and life insurance, and it also handles general liability, property and workers' compensation policies for businesses. The agency works with more than 30 carriers, among them Travelers, The Hartford and Burns & Wilcox, so clients can compare options rather than take a single insurer's product.

Because the brokers work for the client rather than an insurance company, they take time to understand each situation, assess the risks and look for the right policy at the right price. Help with claims is part of the service. Clients can reach the agency by phone or email, and several agents are listed on the website, including a broker and two agents.