Independent agents represent:

Independent agents represent:

• A. One insurer
• B. Multiple insurers
• C. No insurer
• D. Insurer's home office

Answer: (B)

Independent agents represent multiple insurers. They aren’t tied to a single carrier; they contract with several insurance companies and can place a risk with whichever carrier best fits the insured’s needs. This setup gives clients access to a range of options and enables the agent to compare coverages and prices across different carriers. They typically own their own book of business and aren’t employees of any one insurer. This differs from exclusive or captive agents, who represent only one insurer and must sell that company’s products. So the idea being tested is that independent agents work with multiple insurers, not just one.

Independent agents represent multiple insurers. They aren’t tied to a single carrier; they contract with several insurance companies and can place a risk with whichever carrier best fits the insured’s needs. This setup gives clients access to a range of options and enables the agent to compare coverages and prices across different carriers. They typically own their own book of business and aren’t employees of any one insurer. This differs from exclusive or captive agents, who represent only one insurer and must sell that company’s products. So the idea being tested is that independent agents work with multiple insurers, not just one.