What is the primary role of an independent agent?

The primary role of an independent agent is to represent multiple insurance companies. This positioning allows independent agents to offer a diverse range of insurance products and coverage options to their clients. Because they are not tied to a single insurer, they can better assess the unique needs of each client and recommend policies from different companies that best meet those needs. This flexibility often results in clients receiving more personalized service and tailored coverage solutions that align with their specific situations and financial goals.

In contrast, managing a single insurance portfolio typically indicates a more restrictive role that does not align with the independent agent's ability to compare various products from different carriers. Working solely for one firm is a characteristic of captive agents, who have limited options and are incentivized to promote only their employer's products. Providing legal advice is outside the scope of an independent agent's responsibilities, as their focus is primarily on facilitating the purchase of insurance rather than offering legal counsel.