I'm a business owner who does insurance.
Not an insurance agent who has clients.

25 years in insurance. Independent agent. Utah and Idaho.

If I'm not the right fit for your business, I'll tell you — and I'll point you to someone who is.

Ben Page

I started in insurance 25 years ago. For the last 15, I've focused almost entirely on small business owners — specifically restaurant operators and contractors in Utah and Idaho.

I'm a principal at Page Insurance, an independent agency founded in 1998. We have a team that handles thousands of families and businesses. I choose to focus my time on a few hundred business owners who want their insurance actually managed — not just sold.

Independent means I'm not captive to one carrier. I have contracts with dozens of companies and can match the right carrier to your specific situation. Every one of ~5,000 US carriers is best at some niche. No carrier is best at everything. Matching carrier appetite to client is the real agent value.

I handle personal + commercial + life coverage under one relationship because those lines need to be coordinated — not siloed with two different agents who never talk to each other. Every renewal, I look at all of it together.

Hidden things that impact your rates

[Infographic #8 — Napkin AI: 7 signals feeding into a rate. Shopping frequency, lapses, late payments, small claims, continuous coverage tenure, current coverage levels, credit.]
Ben: generate this in Napkin AI using the text input from the Roadmap row.

Your rate isn't opaque. Your agent just never told you the signals.

Ben's Take

I don't want every client who can fog a mirror. I want the business owners who actually care about getting this right. That's why I say what I say about who I'm not the right fit for. The sales industry hates this. My clients love it.

“Ben doesn't talk to me like an insurance agent — he talks to me like another business owner who happens to know the insurance industry inside out. He handles the whole thing so I don't have to think about it.”
— Dustin Harris, The Appraiser Coach & Dustin Harris Coaching

Q&A

Why focus on restaurants and contractors instead of everyone?
Because I'd rather do a few things well than try to be everything to everyone. Restaurants and contractors have specific coverage needs that most generalist agents miss — workers comp nuances, audit mechanics, certificate management. I know those worlds.
What does "independent" actually mean in insurance?
It means I'm not captive to one carrier. I have contracts with dozens of companies and can match the right carrier to your specific situation — instead of forcing you into whatever product my employer sells.
Do you sell insurance or just consult?
Both. I'm a licensed agent — I write and service policies. But the consultation is where most of the value is. Understanding what you actually need before we talk price is what separates this from a quote comparison.
How is Page Insurance different from the other independent agents I've talked to?
Most independent agents are generalists. I focus on a few hundred business owners and coordinate personal + commercial + life under one relationship. I also engage your bookkeeper before audits, not after — which is where most agents fail their contractor and restaurant clients.
What should I do first if I want to see if you can save me money?
Text me at 208-557-8860. I can usually tell you in a few minutes whether I'm likely to help. No forms, no call trees, no pressure.
208-557-8860 Most conversations start with a text.
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