Who is an individual appointed by an insurer to solicit insurance?

An insurance agent is an individual appointed by an insurer to solicit insurance. Agents represent the insurance company and have the authority to sell policies on their behalf. This relationship allows them to provide prospective clients with information about different insurance products, help them understand policy details, and facilitate the purchase of coverage. Insurance agents can work exclusively for one insurance company (captive agents) or represent multiple insurers (independent agents).

In contrast, while adjusters deal with insurance claims, they do not solicit policies. Customer service representatives primarily assist policyholders with questions and service needs rather than selling insurance. Brokers act as intermediaries between clients and insurers, negotiating policy terms but generally do not represent any one company directly in the role of soliciting insurance. This distinction is crucial in understanding the functions of different roles in the insurance industry.