Agency companies are those insurance companies who sell through independent agents. While companies such as State Farm and Allstate technically sell through independently contracted agents, the term is commonly used for independent agents who represent a number of insurance companies.Independent agents do not have an exclusive relationship with any one insurance company. Thus, companies who sell through independents are aware that the agent represents other companies. Well-known agency companies include the Travelers, the Hartford, AIG, and Chubb.Some insurance companies operate with exclusive agents and independent agents. For example, Allstate uses exclusive agents in urban areas and independent agents in rural areas in some parts of the country. Farmers Insurance uses exclusive agents in some states (Texas for example) and independent agents in other states (Louisiana for example). (See Agent).