1. Risk assessment: Insurance brokers will cooperate with customers first to understand their personal or business risks. They will analyze all kinds of potential risks that customers may face, such as property losses, liability risks, health problems and so on.
2. Insurance market research: Insurance brokers will study the insurance market, including various insurance companies and products. They understand the policies, insurance coverage, fees and terms of different companies in order to provide customers with a variety of choices.
3. Customize insurance solutions for customers: According to customers' needs and risks, insurance brokers will recommend appropriate policies. They may customize specific insurance plans for their customers to ensure that their needs are met to the greatest extent.
4. Compare different insurance policies: Insurance brokers will compare different insurance companies and policies, including price, insurance amount, deductible and additional terms, to help customers make informed decisions.
5. Assist in purchasing insurance: Once the customer decides to purchase a specific policy, the insurance broker will assist the customer to complete the application and purchase process. They will handle negotiations with insurance companies and ensure that customers get the insurance they need.
6. Providing customer support: Insurance brokers not only provide help when purchasing insurance, but also provide customer support during the insurance period. This includes assisting the claim settlement process, updating policies, answering customers' questions and solving problems.
7. Supervise insurance plans: Insurance brokers will regularly review customers' insurance plans to ensure that they still meet customers' needs. If necessary, they will suggest adjustments or updates.
8. Provide risk management advice: Insurance brokers can also provide customers with advice on how to manage and reduce potential risks, thus reducing the possibility of insurance claims.
In a word, the job of insurance brokers is to act as a bridge between customers and insurance companies, to ensure that customers get proper insurance protection and get compensation when necessary. Their goal is to provide customers with the best insurance solutions to protect their property, health and financial security.