An insurance broker represents several different insurance companies and chooses the one which corresponds to your particular needs (premium, coverage, etc..)
Your costs are not higher because you are dealing with a broker
It is very difficult for people to have to deal directly with insurance companies while reporting and negotiating a claim. A broker is familiar with the coverage and clauses of your contract and he/she will help you negotiate any law-suit or claim that may arise. The broker’s business depends on satisfaction.
