the insurance brokerage market
1.1 Definition and presentation
Insurance brokers are part of the largest category of intermediaries, figures that facilitate the reconciliation of supply and demand within a given organizational context (e.g. real estate, insurance). Unlike insurance agents, who are employed by an insurance company, brokers work on behalf of the client and have no working relationship with the insurance company.
The role of the broker is therefore not to sell a particular policy, but to provide advice on a variety of solutions. Insurance brokers can work independently or for a brokerage firm and can represent two types of clients: private or corporate.
The advent of the Internet has helped to develop insurance underwriting channels of all types. This is both an issue for insurance brokers and a source of increased competition, as visibility becomes more difficult and the online offer more abundant.
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