The Backed Regional Providers (ELP) program was formed in 2001 by America's leading voice on personal finance, Dave Ramsey, to assist individuals find reliable, top-tier experts who meet Dave's requirements for exceptional service.Here are some highlights: The 3 access points to house, auto, and organization insurance are as follows: Go out and get your own insurance plan utilizing a web portal or calling a hotlineA regional branch of a big insurance provider. The term "captive" suggests the regional representative works for the business. A small company that provides access to several insurance coverage companies and guidance about which business and coverage is best for you.