The Backed Local Service Providers (ELP) program was formed in 2001 by America's leading voice on individual financing, Dave Ramsey, to help individuals find reliable, top-tier experts who meet Dave's standards for excellent service.Here are some highlights: The 3 access points to house, auto, and business insurance are as follows: Head out and get your own insurance plan using a web website or calling a hotlineA local branch of a large insurance coverage company. The term "captive" indicates the local representative works for the company. A little company that provides access to numerous insurance coverage companies and recommendations about which business and coverage is best for you.