An insurance broker is a licensed professional who works independently to help individuals and organizations find and purchase insurance policies from various insurance companies.

Unlike insurance agents, who represent specific insurance companies, brokers do not have a direct affiliation with any one company and work with clients to find the best policies and coverage options from multiple insurers.

Insurance brokers can provide advice on policy options, coverage limits, deductibles, and premiums, and may negotiate with insurance companies on behalf of their clients to obtain better terms and pricing.

They are typically paid a commission or fee for their services, which is often included in the cost of the insurance policy. Brokers may specialize in specific types of insurance, such as commercial or personal lines, and may work with individuals, businesses, or both.