Insurance agent or insurance broker—do you know the difference? In short, an agent is employed by the insurance company for which they work. For example, if you choose to deal directly with an insurance company, you will be dealing with one of the many property and casualty insurance agents who work for that company. Agents sell only one range of insurance products.
You can also obtain quotes from insurance brokers who have business ties with certain insurance companies. They can offer you a wider range of insurance products, but will generally favor insurance products from companies that pay them commissions. They are therefore not 100% impartial. Note that if there are financial ties, your insurance broker has a duty to disclose this to you.
Finalement, vous pouvez également confier vos assurances à un courtier d’assurance indépendant. Contrairement aux agents d’assurance, les courtiers travaillent pour vous plutôt que pour une compagnie. Ils ne sont donc pas des vendeurs, mais bien des conseillers.
In this article, discover the three main advantages of choosing an independent insurance broker when it comes to protecting your vehicle, home, or business.
1. You benefit from personalized service/advice
Brokers take care to analyze each client’s needs in order to offer them insurance policies that suit them, at the best value for money on the market. And since they are independent professionals, they have access to a wide range of insurers across the country, some of which do not sell directly to the public.
They also monitor market fluctuations for you. This means that, year after year, your advisor is able to offer you different products at the best price. Brokers also search for any discounts you may be entitled to.
In addition, brokers offer more flexibility. They can more easily adapt to your schedule, and most will even come to your home if you are unable to travel and would prefer to have a face-to-face conversation with your broker. Brokers will always adapt to the schedule and method of contact that suits you best.
2. Your interests are a priority
Brokers are true partners dedicated to protecting your interests. They will always put your interests before those of the companies they deal with. In the event of a claim, they will facilitate the administrative process, answer all your questions, and defend you in the event of a dispute with the insurer.
Their recommendations are always made with your best interests in mind. Brokers are impartial, so you always get the straight story!
3. Expertise and trust
Brokers are licensed professionals. Their expertise and judgment are put to use every day, making them the best people to accurately assess your needs.
Leur première et unique responsabilité est de servir vos intérêts, et comme ils ne reçoivent aucun incitatif financier de la part des compagnies d’assurance, les courtiers travaillent dans la transparence absolue. Vous pouvez donc entièrement leur faire confiance.
Above all, by choosing to entrust your insurance to an independent broker, you get expert service at no extra cost! Brokers receive an equal commission from each of the insurance companies with which they place contracts. They therefore have no financial incentive to choose one company over another; they rely solely on the client’s needs.
In conclusion
Insuring your property is not something to be taken lightly. You should always make sure you have the right insurance product to avoid unpleasant surprises in the event of a claim. It is therefore important to get good advice!
Assurances Multi-Risques est un cabinet entièrement indépendant et notre impartialité fait notre fierté. Lorsque nous choisissons un assureur particulier pour un client, c’est parce que nous sommes sont convaincus qu’il s’agit du meilleur choix dans son intérêt.
Si vous avez davantage de questions à propos de notre métier ou si vous souhaitez obtenir de nouvelles soumissions pour vos assurances automobile, habitation ou entreprise, n’hésitez pas à nous contacter, il nous fera plaisir de vous répondre!