Who does an insurance agent primarily represent?

An insurance agent primarily represents the insurance company. This relationship is fundamental to the role of an insurance agent, as they are authorized to sell and service policies on behalf of the insurer. The agent acts as the intermediary between the insurance company and the client, facilitating the communication of policy details, claims processes, and coverage options.

By representing the insurance company, the agent bears the responsibility of ensuring that the company’s products are accurately presented and that the interests of the insurer are maintained, while also assisting clients in understanding their coverage options. This dual responsibility, however, is ultimately driven by the obligation to the insurer, as the agent must adhere to the company's guidelines and interests while still providing customer service to clients. Recognizing this dynamic is essential for understanding the agent's role in the broader insurance ecosystem, where they must balance the needs of their clients with the policies and procedures of the insurance company they represent.