The Endorsed Local Service Providers (ELP) program was formed in 2001 by America's leading voice on individual finance, Dave Ramsey, to help individuals find reliable, top-tier experts who meet Dave's standards for outstanding service.Here are some highlights: The 3 gain access to points to house, auto, and company insurance are as follows: Go out and get your own insurance plan using a web portal or calling a hotlineA local branch of a large insurer. The term "hostage" suggests the regional representative works for the business. A small organization that offers access to several insurer and guidance about which business and protection is best for you.