By using this site, you agree to the Privacy Policy and Terms of Use.
Accept
LigaAsuransi
Saturday, Sep 13, 2025
  • What's Hot:
  • Ulas Berita
  • Risk Recommendation
  • Berita Kecelakaan
  • Financial Liability
  • Asuransi Marine Cargo
  • Breaking News
  • Business
    • Marine
      • Asuransi Marine Cargo
      • Asuransi Marine Hull
    • Engineering
      • Asuransi Konstruksi
    • Liability
      • Financial Risk
      • Airport Liability Insurance
      • Asuransi Liability
      • Financial Liability
      • General Liability Insurance
      • Liability Insurance
      • Product Liability Insurance
      • Professional Liability Insurance
      • Public Liability Insurance
    • Property
      • Asuransi Properti
      • Asuransi Banjir
      • Property All Risk
  • Retail
    • Motor Vehicle
    • Life & Health
      • Asuransi Kesehatan
      • Asuransi Jiwa
  • Agrobisnis
  • Bisnis
  • Breaking News
  • LigaAsuransi TV
  • Indonesia
    • 中文
Reading: Agent vs Insurance Broker, What’s the Difference?
Subscribe
Font ResizerAa
LigaAsuransiLigaAsuransi
  • Indonesia
  • Home
  • Vehicles Insurance
  • Marine Cargo Insurance
  • Insurance Clause
  • Cyber Risk Insurance
  • General Insurance
  • Golf
  • Risk Recommendation
Search
  • Marines
    • Marine Cargo
    • Marine Hull
    • P&I
    • Shipbuilders
  • Oil and Gas
  • Mining
    • Coal
    • Mining Industry
    • Asuransi Pertambangan
    • Industri Pertambangan
  • Power
    • Asuransi Pembangkit Listrik
  • Infrastructure
  • Commercial
  • Construction
    • Heavy Equipment Insurance
    • Machinery Breakdown Insurance
    • Construction Insurance
  • InsurTech
  • Insurance Update
    • Bedah Polis
    • Bedah Klausul
    • Ulas Berita
    • Tips & Tricks
  • Legal Liability
    • Asuransi Liability
  • Life & Health
  • Indonesia
    • 中文

Trending →

The In-Depth Difference Between Construction/Erection All Risk Insurance and Surety Bond in Construction Projects: Complementary Pillars of Protection

By Hikmah Herdiana
Friday September 12th, 2025

L&G Success Story in Resolving a Large Freight Forwarder Liability Insurance Claim

By Omar Farhan
Thursday September 11th, 2025

How Does Insurance Support the Massive Growth of the Solar Power Industry in Indonesia?

By Omar Farhan
Thursday September 11th, 2025

Trillion-Round Oil and Gas Projects? Don’t Go Forward Without Construction All Risk (CAR) Insurance

By Intan Aulia
Wednesday September 10th, 2025

Makassar DPRD Building Catches Fire, 1 Person Dies After Jumping from the 4th Floor: And 7 Shocking Recent Accidents

By Intan Aulia
Wednesday September 10th, 2025
Follow US
©Copyright by Liga Asuransi - PT. L&G Insurance Broker
LigaAsuransi > Blog > Ulas Berita > Agent vs Insurance Broker, What’s the Difference?
Ulas Berita

Agent vs Insurance Broker, What’s the Difference?

Omar Farhan
By Omar Farhan
Published Thursday January 28th, 2021
10.5k Views
4 Min Read
Share
Group of people working out business plan in an office
SHARE
Table of Content
Insurance BrokerInsurance agent

Liga Asuransi – You may have heard the terms ‘broker’ and ‘agent’ used frequently. Although both are professionals in the insurance industry, these two types of jobs have some differences. Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurance companies.

Both must have permission from the Financial Services Authority (OJK) to market insurance products. The main difference between an insurance broker and an insurance agent is who they represent.

An insurance broker acts on behalf of the insurance buyer (you) to several insurance companies, while an insurance agent may only represent one insurance company.

To clarify, here are the striking differences between insurance brokers and insurance agents

  • Insurance brokers represent your/client’s interests
  • Insurance agents represent the interests of insurance companies

 

Insurance Broker

Insurance brokers work to help insurance customers to obtain their full rights from the insurance company where the customer is listed as the policy holder. In other words, an insurance broker is a company that represents the interests of clients and is responsible for handling company risk management issues and creating insurance designs according to business risks.

Insurance brokers are not tied to any insurance company, so they have the freedom to offer various types of insurance according to customer needs. Apart from that, insurance brokers also play a role in the process of identifying business risks before providing business insurance solutions, and assist in submitting claims on behalf of customers.

The duties and responsibilities of an insurance broker are as follows.

  1. Providing risk consulting services for companies with capabilities and understanding that go beyond insurance knowledge.
  2. Insurance brokers have the ability to design, analyze and select competitive insurance products according to client needs.
  3. After identifying risks to the client company, the insurance broker provides various packages, facilitates the selection of insurance packages, and negotiates premium levels with the insurance company.
  4. Insurance brokers are affiliated with more than one leading insurance company, so they can provide clients with choices.
  5. Providing extra services that benefit the company such as risk management, insurance product recommendations according to the company’s risks and industry, and assisting in the insurance claims process.

Insurance brokers have a responsibility to explain in detail the risk management strategy. That way, business people can choose the type of insurance according to their needs, namely business and industrial risks. Insurance handled by insurance brokers is generally related to commercial businesses that have large values ​​such as property insurance, construction, cargo, infrastructure, affinity, energy, cyber, and employee health insurance.

 

Insurance agent

Insurance agents work on behalf of the insurance company they are agents for in making agreements with prospective customers. So, insurance agents are tasked with marketing products from one insurance company. Insurance agents must have permission and prior agreements with insurance companies before selling insurance products to prospective customers. Insurance companies need agents to market insurance products and explain to potential customers about the insurance products they sell.

The duties and responsibilities of an insurance agent are as follows.

  1. Have an agency agreement with an insurance company, either an independent agent or an agent employed by a particular company.
  2. Insurance agents are run by individuals with the stipulation that each insurance agent can only be an agent for one insurance company. This means an agent who markets products according to those issued by the company that oversees them.
  3. Insurance agents work on behalf of and in the interests of insurance companies.
  4. Insurance agents offer various products owned by insurance companies. Regardless of whether potential customers need the product or not.
  5. Insurance agents must be registered and licensed in order to sell insurance products. For life insurance, the agency registration and licensing provider is AAJI (Indonesian Life Insurance Association). For general or casualty insurance, the agency registration and licensing organizer is AAUI (Indonesian General Insurance Association).

Insurance agents work based on a professional interest to represent insurance companies. All actions of insurance agents related to insurance transactions are the responsibility of the insurance company they oversee.

Both insurance agents and insurance brokers can assist companies in purchasing insurance products. However, to get insurance products that suit the company’s business and industrial risk profile, business actors can work with insurance brokers. Especially for business people who want to have business insurance for the first time. Insurance brokers play a role in establishing communication with clients and designing solutions to client problems.

When shopping for insurance, there are several key things customers pay attention to, including cost, speed, convenience, security of personal data, and peace of mind that everything important is covered. Working with an insurance broker can help you get the insurance you need at the best price. Brokers deal with a wide range of products and services and have the necessary qualifications to recommend the policy that best suits your needs. Since most brokers work for small companies representing large insurance companies, the service is usually more personalized, which means better quality support.

When you work with an insurance broker, you can rest easy knowing that you are receiving honest and reliable service. Brokers provide full information about commission rates and the impact those rates have on your insurance premiums. 

In choosing the best insurance product, always use it insurance broker leading in Indonesia.

—

This article is presented by LIGASYS, a provider of Integrated Insurance Broking Systems for direct brokers and reinsurance brokers. LIGASYS is very helpful in simplifying the process and creating reports in accordance with regulations. Currently, LIGASYS has been used by several brokerage companies and reinsurance brokers.

For more complete information about LIGASYS contact Jamil General Manager at 08129616310, 081286300922 and email muhamad.jamil@ligasys.co.id 

 

TAGGED:agen asuransibroker asuransipialang asuransi

Sign Up For Daily Newsletter

Be keep up! Get the latest breaking news delivered straight to your inbox.

By signing up, you agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
Share This Article
Facebook Whatsapp Whatsapp LinkedIn Threads Copy Link Print
ByOmar Farhan
A 5-year experienced insurance broker specializing in general insurance. With a strong commitment to service and Business development, I also have experience as a content article writer, which allows me to explain complex topics simply and engagingly.I enjoy working collaboratively, mentoring others, and continually learning to stay up-to-date with industry trends and provide the best support to the Industry.
Previous Article 5 Warga Tewas Akibat Gas, PLTP Sorik Marapi
Next Article Ini Dia 10 Lapangan Golf Terbaik di Indonesia 2021

From Our Social

lngrisk
@lngrisk
1.5K Posts
1.5K Followers

L&G INSURANCE BROKER

Marine Cargo - Surety Bond - Bank Garansi - Liability - Construction - Heavy Equipment
☎️HOTLINE 24/7 0811-8507-773
L&G Insurance Broker Diawasi OJK

Follow on Instagram
2

[L&G Sukseskan Klaim Tongkang Batu Bara senilai Rp 117...

2

7 Berita Asuransi Terpanas Minggu Ini!🔥 Dari OJK yang...

1

Ternyata, Bisnis Online-mu Punya Risiko Sebesar Ini!😱 Banyak pemilik...

Mana yang Lebih Tepat Untukmu?🤔

Saat bicara soal klaim, banyak orang berpikir bisa mengurus semuanya sendiri. Tapi kenyataannya, proses klaim sering kali memakan waktu, rumit, dan penuh detail teknis yang bisa bikin stres.

🔹 Urus Sendiri: risiko salah dokumen, klaim ditolak, atau proses lama.
🔹 Dibantu Broker: ada tim ahli yang dampingi dari awal hingga selesai, memastikan hakmu benar-benar didapat.

Jadi, mana yang lebih tepat untukmu? Pilih repot sendiri, atau serahkan pada broker yang siap jadi partner perlindungan bisnismu😉

#BrokerAsuransi #ClaimSupport #RiskManagement #SolusiBisnis #AmanBersamaLNG #tipsklaimasuransi
2

Mana yang Lebih Tepat Untukmu?🤔 Saat bicara soal klaim,...

17

Detik-detik yacht Rp16 miliar tenggelam, tragis‼️ Sebuah yacht mewah...

6

Rahasia Closing Asuransi Lewat Psikologi Klien‼️ Tahukah Anda? Keputusan...

- Advertisement -
Ad image

Latest News

The In-Depth Difference Between Construction/Erection All Risk Insurance and Surety Bond in Construction Projects: Complementary Pillars of Protection
Tinjauan Asuransi
Friday September 12th, 2025
26 Views
L&G Success Story in Resolving a Large Freight Forwarder Liability Insurance Claim
Klaim Asuransi
Thursday September 11th, 2025
34 Views
How Does Insurance Support the Massive Growth of the Solar Power Industry in Indonesia?
Asuransi Pembangkit Listrik
Thursday September 11th, 2025
36 Views
Trillion-Round Oil and Gas Projects? Don’t Go Forward Without Construction All Risk (CAR) Insurance
Asuransi Konstruksi Industri Konstruksi
Wednesday September 10th, 2025
109 Views
Makassar DPRD Building Catches Fire, 1 Person Dies After Jumping from the 4th Floor: And 7 Shocking Recent Accidents
Berita Kecelakaan
Wednesday September 10th, 2025
90 Views
Why Is Cyber ​​Insurance Increasingly Important for Your Business Today? Here’s Why!
Asuransi Cyber
Tuesday September 9th, 2025
126 Views
Officials’ Homes Looted: Can Luxury Collections and Pets Be Covered by Insurance?: And 7 of the Most Updated and Comprehensive Insurance News
Ulas Berita
Monday September 8th, 2025
119 Views
Why Is Riot Insurance Important? Valuable Lessons from the August 2025 Riots
Nasional
Sunday August 31st, 2025
362 Views
Engineering Insurance Dilemma: New Replacement Value vs. Actual Loss Settlement – A Real Dump Truck Claim Example
Risk Management
Wednesday August 27th, 2025
210 Views
Pet Insurance is Gaining More Attention, Dogs & Cats Can Now Have Their Own Policies: And 7 of the Most Updated and Comprehensive Insurance News
Ulas Berita
Tuesday August 26th, 2025
755 Views

Related ↷

Top News Liga Asuransi

7 Berita Asuransi Pilihan Minggu ke-4 Juli 2020

Monday July 27th, 2020

OJK and Government News Update Minggu ke-4 Februari 2021

Monday March 1st, 2021

A Comprehensive Guide To Private Jet Insurance In Indonesia

Friday April 5th, 2024
top Accident

7 Selected Accidents This Week

Monday October 24th, 2022
  • Advertise with us
  • Newsletters
  • Complaint
  • Deal
Stay tuned for a blend of captivating content that not only informs but also inspires you to navigate the ever-evolving landscape of technology, marketing, and market trends!
LigaAsuransi
  • Asuransi Marine Cargo
  • Asuransi Konstruksi
  • Broker Asuransi
  • InsurTech
  • Property

©Copyright 2025 by Liga Asuransi – PT. L&G Insurance Broker