{"id":24135,"date":"2022-10-01T04:36:16","date_gmt":"2022-10-01T04:36:16","guid":{"rendered":"https:\/\/zaratechs.com\/?p=24135"},"modified":"2022-10-01T04:36:16","modified_gmt":"2022-10-01T04:36:16","slug":"why-hire-an-insurance-broker","status":"publish","type":"post","link":"https:\/\/zaratechs.com\/why-hire-an-insurance-broker\/","title":{"rendered":"Why hire an insurance broker?"},"content":{"rendered":"\n
We know that hiring insurance for a company is not easy. For any branch there are different types and coverages that only professionals in the sector can inform you about which is the best insurance according to your activity. This is where the opportunity to hire an insurance broker appears, which will become essential in the day to day of your company.<\/p>\n\n\n\n
The insurance broker is an insurance mediator, that is, a professional in the sector who searches the market for the best insurance option for your risk. In other words, the mediator or broker advises the client on which is the best insurance for their situation, advising them at all times based on the risks to which they are exposed according to their professional activity. In this way, and without being linked to any company, it is guaranteed that the insured risks are fully covered by the contracted policy.<\/p>\n\n\n\n
To further highlight the figure of the broker, we explain the difference between insurance brokers and insurance agents, the types of insurance mediators in Spain and their definitions. These are differentiated into three types and their definition was updated after Royal Decree Law 3\/2020, of February 4, on insurance distribution. This division is based on the relationship between brokers and insurance companies.<\/p>\n\n\n\n
Difference between insurance agent, bancassurance operators and insurance broker<\/p>\n\n\n\n
Insurance agents<\/strong><\/p>\n\n\n\n Insurance agents are individuals or legal entities that distribute insurance through agreements with companies. These agents are divided into two classes:<\/p>\n\n\n\n Exclusive Agents: Agents who exclusively distribute the insurance of a single insurance company.<\/p>\n\n\n\n Bancassurance operators<\/strong><\/p>\n\n\n\n They are the banking entities that, through insurance agency contracts, distribute the insurance of one or several companies. They may be exclusive banking-insurance operators or linked banking-insurance operators.<\/p>\n\n\n\n Insurance brokers<\/strong><\/p>\n\n\n\n Insurance brokers are natural or legal persons whose activity is the mediation and distribution of insurance without binding agreements with the companies. In this way, insurance brokers offer independent, professional and impartial advice, in search of correct risk coverage for their clients. In addition, they provide services as an advisor and claims manager.<\/p>\n\n\n\n Without a doubt, hiring a broker as an insurance mediator is the best option for your company. Without links with the companies, the insurance brokers are in the middle of the operation, mediating so that the insured risks are fully covered in the event of an accident.<\/p>\n\n\n\n Hiring insurance with an insurance broker does not make your policies more expensive, on the contrary. Thanks to Viafina’s experience, being experts in mediation for companies, we have the possibility of negotiating and improving the conditions of any policy without losing the essential coverage for your activity.<\/p>\n\n\n\n We search among the insurance companies which is the best option for you. We carry out a financial study, analyze the possible risks and study the best offers on the market according to your activity.<\/p>\n\n\n\n On occasions, we have come across companies that do not fully cover their activity and risks, with general policies and basic coverage, and in the event of an accident, the damage is doubled.<\/p>\n\n\n\n If you still hesitate to hire an insurance broker, here we give you several reasons to show you why Viafina is the best option:<\/p>\n\n\n\nHow much does it cost to hire an insurance broker?<\/h2>\n\n\n\n
Why hire an insurance broker?<\/h2>\n\n\n\n