As a provider who has worked both with an agency and as an independent I can say the quality of my sessions are way higher when working independently. Agency girls cannot name their prices and make less than half of the money you pay so they are not feeling generous. Add the fact that they are bound by the clock (they are charged for another session if they are one second late) and there's a rushed, "let's get this over with so I can leave" vibe. Yes, the fact that she works for an agency is almost a guarantee that she is not LE but if you learn how to tell when you're dealing with LE you'll be happier with an independent. That's why we have reviews. To ease this fear. PM me if you have any questions about researching a provider or how to tell if the one at your door is legit.

I think the girl should get all my money, and as previous poster, a provider, said, the agency girls are usually on the clock.  They are also probably doing much more volume per day than an indy would do.  

Safer?  Who knows?  There are risks with either one.  If you do your research properly, you should be ok regardless which one you choose.  Whether she is indy or agency, make sure she has a good amount of reviews by established reviewers.

Swim

is there any more risk compared to a more established girl with the same agency?