What does an insurance agent primarily do?

An insurance agent primarily provides insurance coverage from a specific insurer. In this role, the agent acts as a representative of the insurance company and is responsible for selling and servicing policies offered by that particular insurer. Agents are tasked with advising clients about the products available, helping them understand the terms of coverage, and ensuring that clients select the appropriate policies to meet their needs.

While other roles, such as evaluating risks for underwriting purposes or managing claims, are crucial aspects of the broader insurance process, they typically fall under the responsibilities of underwriters or claims adjusters rather than agents. An agent's focus is distinctly on the sales and service of insurance products from their specific company, which is why the ability to provide coverage from that insurer is the primary function of an insurance agent.