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Difference Between Insurance Agent and Broker

New Santa Clarita business owners are always asking us “what’s the difference between an insurance agent and an insurance broker?”  They are similar and can be easily confused, but don’t worry – we are here to outline the key differences between the two and help you decide which one is right for your business insurance needs.

What is an Insurance Agent?

An insurance agent in general only represents one company.  For instance: State Farm, Farmers, and AllState are all larger companies which employ agents. The role of each company agent is to find clients that meet that company’s parameters.  They can typically only offer their policy under their specific guidelines.  As a result, they may not always have the best policy in terms of coverage needed or pricing.

What is an Insurance Broker?

An insurance broker is very different. A broker represents you (versus the agent that represents the company) as an individual/business can assists you in finding an insurance company that meets your particular needs. A broker does this by working with a number of insurance carriers and finding the coverage that you specifically need.   A quality broker will also work hard to stay within your budget, including searching for as many discounts as possible and looking at rates from several carriers.  This allows the insurance broker to bring down your overall cost, and still find the company that best suits your specific needs.

Choosing an insurance provider for your local business can be an important decision, but it doesn’t have to be. We are an established and trusted Santa Clarita insurance broker ready to assist you in choosing the coverage that is right for you and your business.  JSG Insurance can provide you with a custom insurance plan which will ensure your business is covered for any liability that may occur. JSG Insurance will evaluate your coverage, educate you on how to best set up your insurance plan, and explain everything in plain English – making your insurance decisions simple. If you would like to receive a free coverage review and a quote for your business, please give us a call or visit our website. Let us take some of that fear away.  

JSG Insurance Services
27433 Tourney Rd, Suite 280
Santa Clarita, CA 91355
Posted 6:00 AM

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