Most people have their first contact with an insurance company through an insurance agent or broker.
These professionals sell individuals and businesses insurance policies that provide protection against loss. Insurance agents and brokers help individuals, families, and businesses select the right policy that best provides insurance protection for their lives and health, as well as for their automobiles, jewelry, personal valuables, furniture, household items, businesses, and other properties. Agents and brokers prepare reports, maintain records, and, in the event of a loss, help policyholders settle insurance claims. Specialists in group policies may help an employer provide employees the opportunity to buy insurance through payroll deductions. Insurance agents may work for one insurance company or as independent agents selling for several companies.