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.
Inevitably, the market is related to the insurance sector in Italy, which has recorded negative performances in recent years and is subject to continuous changes in order to adapt to the progressive impact of technology in all business sectors. In fact, the so-called Insurtech is believed to be responsible for a proliferation of distribution channels, to the detriment of traditional solutions. On the other hand, the rapid expansion of technologies is causing a general concern about data protection and cyber-attacks, uncertainties on the demand side that can create considerable opportunities on the supply side.
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