What is the primary duty of an insurance agent?

The primary duty of an insurance agent is to help clients find suitable coverage. This role involves understanding the specific needs and risks of the client and then recommending appropriate insurance products that adequately protect against those risks. An agent must assess the client's situation, provide options, and guide them in making informed decisions about their insurance needs. This foundational responsibility is essential because it builds trust and ensures clients are adequately covered, which is central to the purpose of an insurance agent.

While managing claims, assessing property values, and negotiating with insurance companies are important tasks that agents might engage in within their careers, these activities are generally secondary to the core function of matching clients with the proper insurance policies that provide necessary protection.