An insurance broker is a licensed professional who represents clients, rather than insurance companies, in the purchase of insurance policies. Unlike insurance agents, who work on behalf of insurance carriers, insurance brokers work on behalf of their clients to help them find the best insurance policies to meet their needs.

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Insurance brokers typically work with multiple insurance carriers to provide their clients with a range of options and to negotiate the best possible rates and terms. They provide advice and guidance to clients on the types and amounts of insurance coverage that best meet their needs, and help them compare policies and select the one that provides the best value for their money.

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Insurance brokers also provide ongoing service to their clients, such as processing policy changes, renewals, and claims. They may work in a variety of settings, including offices, call centers, and online platforms.

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Insurance brokers are required to be licensed in the state or states where they work, and must complete continuing education to maintain their licenses. They must also adhere to strict ethical and professional standards, and must disclose any conflicts of interest that may arise from representing multiple insurance carriers.

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Working with an insurance broker can provide valuable guidance and support when purchasing insurance, and can help ensure that individuals and businesses have adequate coverage to protect themselves against potential losses.

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