Your dealings with a broker are on a different footing to those with an insurance agent. In the first place, the broker doesn't work for any particular company - though they may have preferred companies or only deal with a range of companies. Consequently, they can assess the best company for your insurance requirements and may be able to recommend alternatives. In addition, the broker is your agent - not the insurance company's agent - and therefore, should always put your interests before those of the insurer. This is particularly useful when dealing with claims. Because they are acting for you, the broker will usually charge a broker's fee for arranging the insurance. Insurance through a broker may be a little more expensive than through an agent but you are getting an agency relationship for that extra fee.