Agents & Brokers

Role Summary

Agents and brokers help individuals and businesses understand their risks and secure appropriate insurance coverage. They act as advisors, educators, and intermediaries between clients and insurers. Agents typically represent one or more carriers, while brokers represent the client — but both roles focus on matching needs with the right insurance solutions.

Core Responsibilities

• Assess client needs and recommend appropriate coverage
• Explain insurance products, terms, and pricing
• Market accounts to insurers and negotiate quotes
• Assist clients with applications, renewals, and policy changes
• Provide ongoing service and support throughout the policy lifecycle
• Maintain compliance with licensing and regulatory requirements
• Build and manage a book of business

Key Skills

• Relationship building and communication
• Sales and consultative advising
• Product knowledge across multiple lines
• Negotiation and market placement
• Customer service
• Business development

Common Designations

• AINS
• CIC (Certified Insurance Counselor)
• CRM (Certified Risk Manager)
• CLU / ChFC (Life & Financial Services)
• CEBS (Benefits)

Industry Context

Agents and brokers operate across all sectors — P&C, Life, Health, Benefits, and Specialty — and are often the primary point of contact for consumers and businesses entering the insurance system.