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Do you need to have an agent of record for liability insurance for a company?
Wiki User
∙ 15y ago
There are predominantly two types of companies in operation in the USA - direct writers and independent agency companies. Direct writers distribute policies using company employee's; independent agency companies utilize the independent agency system to distribute products - independent agents can represent multiple companies and are not employees of the insurer. Typically, a licensed agent is needed in order to sell you a policy and the agent is either a company employee or an independent agent. Therefore, there will always be an agent of record for your policy if you purchased it through an independent agent. There may or may not be an agent of record if you purchased the policy through a direct writer. Either way, your policy Declarations Page should show an address or phone number to call if you need service. Hope this helps.
Wiki User
∙ 15y ago
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