People often use “agent” and “broker” interchangeably, but the roles are different. An insurance agent commonly represents one or more insurance companies. A broker generally represents the client.
That difference affects how options are presented. A broker’s job is to help you evaluate coverage based on your situation, then work with applicable markets. An agent may be limited to the products of the carriers they represent.
Coverivo is built as a broker experience: independent advice, AI-assisted intake, and licensed insurance professionals for decisions that require judgment.
Neither a broker nor an agent can guarantee that a carrier will offer, price, or approve coverage. Underwriting always belongs to the insurance company.