Easy to reach, and the same people every time.

Call the office during opening hours. It is a small team and somebody picks up.

The number is (479) 286-1066, and hours are Monday through Thursday from 9 to 5 and Friday from 9 to 4. There is no phone tree to get through and no ticket number at the end of it. Email reaches the whole team at service@cribbinsurance.com and is better for anything with a list in it, because transcribing several vehicles or an exact company name over the phone is where mistakes get introduced. Outside hours, email is read when we open. The one thing that should not wait for us is a loss: carrier claims lines are staffed around the clock and that call comes first.

No, but calling ahead is worth the minute it costs.

We are at 1601 SW Regional Airport Boulevard in Bentonville and you are welcome to come in. Because the team is small, the person who knows your file may be on a call or out at a client when you arrive, and a quick call first means you see the right person rather than whoever is free. It is also worth saying that most of what we do never requires a visit. Policies get written, changed and serviced by phone, email and the client portal, and plenty of long-standing clients have never been through the door.

It means we can tell you your current coverage is fine.

A captive agent represents one insurance company and can offer you that company's products. If it is not the right fit for your situation, there is nothing else to point at and no incentive to say so. We place across more than forty carriers, which changes the conversation in two directions. Sometimes the useful answer is that a company you have never heard of fits your household or your operation better than a name you would recognize. And sometimes it is that what you already have is correctly structured and competitively priced, so leave it alone. That second answer happens more often than people expect and it is the one a captive agent cannot give you.

Arkansas, Oklahoma, Missouri and Texas.

Most of what we write is in Northwest Arkansas, but the licensing matters more than people assume once a household or a business touches a line on a map. A property policy follows where the property sits. Auto follows where a vehicle is garaged rather than where it is driven. Workers compensation follows where the work is actually performed, and a policy names the states it applies in. For a household near the Oklahoma line, or a contractor whose crews cross it, those three can point at different states at once. Tell us where things actually are and we will work out which rules apply.

Your current declarations page. It is the single thing that changes the quality of the answer.

It is the summary sheet at the front of your policy and it lists your coverages, limits and deductibles. With it we can rebuild exactly what you have and compare like for like. Without it everyone involved is estimating, and in a bidding situation the cheapest estimate usually wins by being the thinnest, which you only discover at claim time. If you cannot find it, your current carrier or agent will send you a copy and you are entitled to it. For a business, tell us what the operation actually does day to day rather than what the paperwork calls it, including where the work happens and who drives what.

The same people, every time.

This is not a call center and your file does not get passed around. 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 rather than at the beginning. You can see who is here on our team page. If you have worked with somebody specific before, ask for them by name and you will get them.