What role does an insurance agent primarily fulfill?

The primary role of an insurance agent centers around selling and writing insurance policies for commission. Agents act as intermediaries between insurance companies and clients, helping individuals and businesses understand their insurance needs and find suitable coverage options. They are skilled in evaluating client requirements, presenting policy options, and advising on the best choices based on those needs.

By earning a commission from the policies they sell, agents are motivated not only to secure coverage for their clients but also to foster long-term relationships that can lead to policy renewals and additional services. Their expertise in navigating the insurance marketplace enables them to provide valuable insights to clients, making them key players in the insurance process.

In contrast, options like handling claims processing or managing repair shops do not fall within the core responsibilities of an insurance agent. Claims processing is typically handled by claims adjusters or administrative staff within the insurance company, while managing repair shops is an entirely different profession related to the physical repairs of insured items. Determining coverage applicability is often part of an agent's responsibilities, but their primary function is rooted in the selling and writing of policies.