We don't work for an insurance company. We work against all of them.
A captive agent has one company's shelf, and when the fit is wrong there is nothing to point at. Cribb Insurance Group is a locally owned Bentonville agency that places across more than forty carriers — personal, recreational and commercial — which means the recommendation follows your situation instead of being decided before you called.
Who we are, in one paragraph
Cribb Insurance Group Inc. is an independent insurance agency at 1601 SW Regional Airport Blvd in Bentonville, owned and operated by Jason Cribb and licensed in Arkansas, Oklahoma, Missouri and Texas. We place home, auto, recreational and commercial insurance across more than forty carriers for households and businesses throughout Northwest Arkansas, and we service what we sell. Being independent means the honest answer is sometimes that your current coverage is already right — and you will hear it.
The word gets used loosely. Here it is structural.
An appointment is a formal relationship that has to be applied for and maintained. It is the difference between quoting a company and merely mentioning one.
Why the structure changes the advice.
Insurance companies differ enormously in what they will write and what they charge for it. One is comfortable with an older roof and another will not look at it. One writes a trade that another declines outright. None of that is visible from inside a single company, which is the real limitation of a captive agent rather than any failing on their part.
Because we are not owned by a carrier and do not represent one, the recommendation can move with your situation. It also means we are free to say the unprofitable thing — that a policy is fine where it is, or that a cheaper number on the table buys thinner coverage that only reveals itself at claim time.
The limit is worth stating too. No agency has access to every company, and market access is not a promise that any particular carrier, product or price will be available for your household or your business. It is a promise about how many places we can look.
Six things we actually do.
Not values on a wall. These are the things that change what ends up on your policy.
More than forty markets, one conversation
A captive agent has one company's shelf. We compare across our markets and put the options side by side, so price, coverage and deductible are visible together rather than one at a time.
No jargon as a defense
Deductibles, limits, exclusions and settlement terms explained in words you would use out loud. If an explanation only makes sense to somebody in the industry, it is a bad explanation.
Gaps live between policies
Home, auto, the boat, the side-by-side and the business under one roof means somebody notices when a change to one should have moved another. Nobody finds that reading policies one at a time.
Written where we live
Roof age, hail seasons, growth on the west side of the county, crews that cross into Oklahoma. Rating in Northwest Arkansas turns on things a call center reads off a screen.
The part that gets skipped
Certificates, ID cards, changes, renewals and someone in your corner when a claim is open. Selling a policy takes an afternoon; servicing it is the other twenty-five years.
The answer a captive cannot give
Sometimes the useful finding is that what you already have is correctly structured and competitively placed, so leave it alone. That happens more often than people expect and you will hear it.
How an agent gets paid, and why you should ask.
Agencies are paid a commission by whichever insurance company ends up writing the policy, and that commission sits inside the carrier's filed rates whether you buy through an agency, a call center or a website. There is no separate agency fee for comparing markets, and a direct-to-consumer price is not automatically lower — the money that would have paid an agent is generally being spent on advertising instead.
Two questions follow from that, and you should put them to any agent including us. Are you independent or captive, and how many markets do you actually have access to? Commission rates do differ between carriers, so the honest reason to ask is not suspicion — it is that an agent with three appointments and an agent with forty are doing genuinely different jobs, and only one of those answers is visible from the outside.
Two figures, and exactly where they come from.
Published because a range is more useful than a promise. Read the provenance underneath them — the two are not the same kind of number.
These are Cribb cross-market averages, not any carrier's rates, and not a quote. They are published to give a sense of scale, not to set an expectation. What you are actually charged depends on the property, the vehicles, the drivers, the roof, the deductibles and limits you choose, the claims history, the location and the carrier that ends up writing it — and any one of those can move a premium outside these ranges in either direction. Rates change. Nothing here is an offer of insurance or a representation that this coverage or cost is available to you. The only number that means anything for your household is a quote with your information in it.
Three steps, and the third is the long one.
Review
We look at what you have now — ideally the declarations page, which is the summary sheet at the front of the policy. It lets us rebuild your coverage exactly instead of estimating at it.
Compare
We put your situation across our markets and lay out coverage, limits, deductibles and cost together. Where two options differ in a way that matters at claim time, we say so.
Stay
After it is written we handle the changes, the certificates, the renewals and the carrier side of a claim. That is the part that decides whether the first two mattered.
Everything, from one agency.
Which is the practical argument for one agency rather than three: someone is looking at how the pieces fit together.
Nine of us, one office.
Owned and run by Jason Cribb, worked by people who live here.
A small team of licensed agents and account managers, all at the same Bentonville address. No overflow center, no department your file gets handed to. The person who writes your policy is the person who answers when something happens — which matters most at claim time, when knowing the household and the history means the conversation starts somewhere sensible. Meet everyone, by name and face.
About the agency.
Is Cribb Insurance Group an independent agency?
Yes, fully independent, and it is the thing that shapes everything else.
We are not owned by an insurance company and we do not represent one. A captive agent — the kind with a single company's name on the door — can offer you that company's products and nothing else, so when the fit is wrong there is nothing to point at and no reason to mention it. We place across more than forty carriers, which means the recommendation can change with your situation rather than being fixed in advance. It also means we can tell you that your current coverage is already right, which is a real answer and one you should expect to hear sometimes.
Does it cost more to buy insurance through an independent agency?
No. The comparison does not add anything to your premium.
Agencies are paid a commission by the insurance company that ends up writing the policy, and that commission is built into the carrier's filed rates whether you buy through an agency, through a call center or on a website. There is no separate agency fee on top for the work of comparing markets. Two things are worth understanding rather than taking on trust. Commission rates differ between carriers, which is exactly why you should ask any agent how many markets they actually have access to and whether they are independent or captive. And a direct-to-consumer price is not automatically lower, because the money that would have paid an agent is generally being spent on advertising instead.
Where is the agency, and which communities does it serve?
Bentonville, on SW Regional Airport Boulevard, serving Northwest Arkansas.
The office is at 1601 SW Regional Airport Blvd, Bentonville, AR 72713, and most of what we write is here in the corridor — Bentonville, Rogers, Springdale, Fayetteville, Bella Vista, Centerton, Cave Springs, Pea Ridge, Gravette and Siloam Springs. The agency is licensed in Arkansas, Oklahoma, Missouri and Texas, which matters more than it sounds once a household or a business touches a state line, because property, vehicles and where work is performed can each point at a different state at the same time. You do not need to come to the office; most of what we do happens by phone, email and the client portal.
What kinds of insurance can I get through one agency?
Personal, recreational and commercial, which is the practical argument for one agency rather than three.
On the personal side that means home, auto, renters, condominium, landlord and rental property, umbrella liability and life. On the recreational side, boats and watercraft, motorcycles, side-by-sides and ATVs, campers and travel trailers, and collector vehicles. On the business side, general liability, commercial property, workers compensation, commercial auto and the specialist lines that attach to particular trades and industries. Keeping it in one place is not only convenient. It means the liability across your home, your vehicles and your business is being looked at as one picture, which is where gaps usually turn up.
How long has Cribb Insurance been doing this?
More than twenty-five years of placing insurance in Arkansas.
The agency is locally owned and operated out of Bentonville by Jason Cribb, working with a small team of licensed agents and account managers who live here. Longevity is worth something specific in this business rather than being a badge: it means the person who wrote your policy is likely to be the person who answers when you claim on it years later, and that continuity is most of what makes a claim conversation start somewhere sensible. A good deal of our new business still arrives because somebody told a neighbor about us.
What does access to more than forty carriers actually mean?
It means appointments, not a search engine.
An appointment is a formal relationship with an insurance company that lets an agency quote and bind its products, and each one has to be applied for and maintained. Having a lot of them matters because carriers differ enormously in what they want — one is comfortable with an older roof, another will not look at it; one writes a trade another declines outright. The number itself is less interesting than the spread, and no agency has access to every company, so it is a fair question to ask anyone. Not every carrier is right for every risk, and nothing about market access guarantees that a particular company, product or price is available to you.
If our guides are useful, mark Cribb Insurance as a preferred source so more Arkansas families and businesses can find plain-English answers about their own coverage.
Get a second opinion.
Send us a declarations page and we will rebuild your coverage exactly, put it across our markets and tell you plainly what we find. If what you have is already right, that is what you will hear — and it costs you nothing to find out. Prefer to talk it through? Call the office or email the team.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri and Texas. This page is general information about the agency. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. It is not legal advice, claims advice, or a legal opinion.
About the two figures published on this page. They are Cribb cross-market averages reflecting this agency's own experience across the carriers available to it. They are not any insurance company's rates, they are not a rate filing, and they are not a quote or an offer. The homeowners range describes bundled home and auto policies written through the agency for a five-year-old $400,000 Northwest Arkansas home. The auto range is a planning range across the agency's available markets rather than a summary of written policies; the two figures do not have the same basis and should not be read as equivalent. Premium is determined by the insurance company, varies with the property, vehicles, drivers, roof age and condition, coverage limits, deductibles, claims and driving history, credit where permitted by law, bundling and location, is subject to underwriting approval, changes over time, and may fall outside these ranges in either direction. Past or typical pricing does not indicate what any person will be charged. Only a quote prepared with your own information means anything.
Market access. References to more than forty carriers describe the agency's overall market access across personal and commercial lines. Availability varies by line of business, by state and by risk, and this is not a representation that any particular product, carrier or price is available for any particular person, property or business. No agency has access to every insurance company. Statements about how agencies are compensated describe general industry practice and are not a representation about any specific carrier's commission or about savings.
Claims. Cribb Insurance Group Inc. is not an insurance company, not a claims administrator and not an adjuster, and does not accept, investigate, adjust, approve or deny claims. Claims are reported to and decided by your insurance carrier under the terms of the policy issued to you. The policy actually issued to you controls what is covered in every case.
Staff, roles, office hours and areas served are current as of the date below and may change. Office hours are Monday through Thursday, 9:00 a.m. to 5:00 p.m., and Friday, 9:00 a.m. to 4:00 p.m., Central time. Cribby Chameleon is a fictional mascot used in the agency's marketing; Cribby is not a licensed insurance producer and does not transact insurance or provide advice.
Last reviewed August 2026.