An insurance broker works for you, not the insurance company. They shop around with multiple insurers to find coverage that fits your needs and budget. Think of them as your advocate in the often confusing world of insurance.

Brokers typically get paid through commissions from insurance companies, but their job is to represent your interests. They can explain complex policy terms, help you compare options, and assist with claims. This is especially valuable for business insurance or complex personal situations where you need specialized coverage. A good broker takes time to understand your unique situation rather than just pushing the cheapest or most expensive option.