The Backed Local Service Providers (ELP) program was formed in 2001 by America's leading voice on individual financing, Dave Ramsey, to help people find credible, top-tier experts who fulfill Dave's standards for outstanding service.Here are some highlights: The 3 access indicate house, vehicle, and business insurance are as follows: Go out and get your own insurance coverage using a web website or calling a hotlineA local branch of a large insurance company. The term "captive" implies the regional representative works for the company. A little business that provides access to several insurance provider and recommendations about which business and coverage is best for you.