Working with an Insurance Broker has major benefits. But what exactly is an Insurance Broker and how are they different from an Insurance Agent?


Insurance brokers are independent of any one insurance company, working on behalf of the client, not the insurance company. They have access to a wide range of insurance products and can compare the offerings of different insurance companies to help find the coverage that best suits the needs of each client.
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An insurance broker acts as an intermediary between insurance buyers and insurance companies.

As advisors, they provide assistance to clients in choosing insurance policies that meet their specific needs and budget. 


They can also negotiate with insurance companies on behalf of the client to secure the best terms and rates. Insurance brokers are typically compensated by commission or fees paid by the insurance company, not by the client.


There are many benefits to working with an Insurance Broker, including:

  • Independent advice: Insurance brokers are independent professionals who are not affiliated with any particular insurance company, which means they can provide unbiased advice and recommendations based on their clients' needs

  • Access to a wide range of products: Insurance brokers have access to insurance products from many different insurance companies, which enables them to offer clients a range of options to choose from.

  • Expert knowledge: Insurance brokers have extensive knowledge and experience in the industry, and can help clients understand the different types of insurance policies available, as well as the coverage and benefits they provide.

  • Experience with many companies: Insurance brokers work with several companies at any given time and can use this experience to help guide their clients to the carriers who would best fit the individual needs of that client.

  • Cost savings: Insurance brokers can often negotiate better terms and rates for clients than they could obtain on their own, which can result in significant cost savings.

  • Continued support: Insurance brokers are available to assist clients with any questions or issues that may arise after a policy is purchased, providing ongoing support and peace of mind.

In general, working with an insurance broker may offer more independence and a wider range of options and customized solutions.

At Kastner Insurance Group, we take finding customized coverage for each client to heart. We work with several carriers and are extremely familiar with every type of insurance that our client may need. We offer unbiased advice to make sure that our clients are fully covered and our customer service is unmatched. 

Call us today or visit our website for a free quote.  

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