Most people do not buy insurance directly from a home-office employee. An agent is a licensed representative authorized to solicit, negotiate, and service insurance policies on behalf of one or more insurers. The agent is typically the customer’s primary point of contact.

Captive agents represent a single company; independent agents may place business with several carriers. Compensation usually comes through commissions. Agents explain coverage options, gather underwriting information, and help clients file claims. Their advice can shape which risks are transferred and which are retained.

Regulatory rules require agents to act with reasonable care and to disclose their appointment relationships. Errors in describing policy terms can create liability for both the agent and the insurer. A knowledgeable agent remains one of the most practical ways consumers navigate complex insurance choices.

• Licensed seller of insurance policies
• May represent one or multiple insurers
• Assists with applications, service, and claims
• Compensated mainly by commission