Which agent type is responsible for selling only the policies of one insurer?

The exclusive agent is responsible for selling only the policies of one insurer, often representing that insurer and its products exclusively. This type of agent has a strong focus on the brand and offerings of the specific insurance company they are affiliated with. They typically receive a commission based on the policies they sell and may be involved in the marketing and promotion of their insurer’s products.

This structure allows exclusive agents to develop in-depth knowledge of their specific insurer’s policies and procedures, enabling them to provide tailored advice to clients. The relationship between the exclusive agent and the insurer is often mutually beneficial, as the insurer benefits from the agent's focused efforts on their products, while the agent relies on the insurer’s reputation and resources to sell effectively.

Other types of agents, such as independent agents, represent multiple insurers and can offer a broader range of products to clients, but they do not have the singular focus that exclusive agents do on one specific company. General agents typically have a more expansive role that includes managing other agents rather than selling policies exclusively for one company, while direct writers sell insurance directly to consumers without agents.