Who does an agent primarily represent?

An agent primarily represents a company to a client, which establishes a fiduciary responsibility and a formal relationship between the two parties. This means that the agent is responsible for promoting and selling the company's products or services, including the various types of insurance offered, while also working to meet the needs and interests of the client.

The agent acts on behalf of the company, leveraging their knowledge of its offerings to inform and guide clients in making choices that align with their needs. This relationship is crucial in the insurance industry, as agents provide essential support and expertise when clients are navigating options regarding coverage, benefits, and policy details.

In contrast, other options involve different sets of relationships and responsibilities that do not accurately reflect the primary role of an agent within the insurance context. For example, representing a client to companies implies an advocacy role that is not the primary focus of an insurance agent. Similarly, the relationship between an employer and employees or the government and the people involves different dynamics outside the agent-client-company interaction, further underscoring that an agent's main representation is indeed that of a company to a client.