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The association was founded in 1896 as the National Association of Local Fire Insurance Agents. In 1913, the organization changed its name to the National Association of Insurance Agents when it expanded to include property-casualty business and coverages. The name was changed again in 1975 to the Independent Insurance Agents of America.
Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the policyholder or a beneficiary) for specified loss or damage to a specified thing (e.g., an item, property or life) from certain perils or risks in exchange for a fee (the insurance premium). [2]
Independent agents are independent contractors for the insurance companies they represent. Several companies may authorize the agent to sell for them, but the agent remains an independent businessperson. While the agent collects commissions, they do not collect a salary from the companies they represent. On average, independent agents work with ...
The Bottom Line. broker in insurance. Insurance brokers can help take the pain out of shopping for a new policy. Instead of comparing several options from dozens of insurers on your own, a broker ...
People will sometimes contact Aflac agents seeking property or casualty insurance or other products the company doesn’t offer, Amos volunteers. But he wants to be “methodical” about any ...
The HO in HO-8 stands for homeowner, and the number distinguishes this type of policy from other forms of home insurance. HO-8 policies are specifically designed for older homes that have outdated ...
The decision as to how much, if any, insurance would be offered to a customer was often determined solely through the use of a Sanborn map. The maps also allowed insurance companies to visualize their exposure in their coverage areas; when an agent sold a policy, he could color in the corresponding building on the map. History
March 12, 2024 at 12:17 PM. An HO-1 policy, informally known as a “bare bones” policy, is a type of homeowners insurance that offers basic coverage. This type of policy is the most limited ...
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