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Insurance Broker

An insurance broker is an individual who offers, negotiates, and sells insurance policies. He or she acts as an intermediary between insurance companies and customers and will receive compensation in the form of a commission for the policy sale. A main part of the broker’s role is to help the insurer assess the types of risks they face. Risks include natural hazards such as bad weather, hurricanes, tornadoes, fires, and floods. Additionally, brokers act on behalf of customers.
A broker will do comparison shopping to find the best priced polices from more than one insurance company. Brokers also help their clients to outline risk management strategies, which are suitable for their specific needs. There are different types of risk to consider, which include natural disasters, car accidents, credit risks, cash flow problems, legal liabilities, and others.

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