What is the role of an insurance broker in the claims process?

The role of an insurance broker primarily involves assisting clients in finding suitable coverage and helping them understand the terms of their insurance policies. Brokers act as intermediaries between clients and insurance companies, ensuring that clients select policies that meet their specific needs and preferences. They provide valuable information about different insurance products, helping clients navigate the complexities of policy details and coverage options.

In addition to providing guidance on coverage, brokers also play a crucial role in educating clients about the nuances of their policies, such as exclusions and limits, which can be essential when filing a claim. They may also assist clients in understanding the claims process after a loss occurs, but their primary focus is on coverage placement rather than managing claims directly.

This emphasis on client education and coverage selection is what distinctly defines the broker's role in the insurance landscape.