Best North Dakota Insurance Agents & Brokers (2025)

An insurance agent is a licensed professional who works for an insurance company and sells insurance policies directly to customers. A broker, on the other hand, is an independent professional who works with multiple insurance companies to find the best policies and for their clients.

No, you are not required to use an insurance agent or broker to purchase insurance. However, working with an agent or broker can be helpful, as they can provide expert advice and guidance to help you find the right coverage at the best price.

You can find licensed insurance agents and brokers in North Dakota by searching the North Dakota Insurance Department’s online directory or by contacting the department directly for a list of licensed professionals in your area.

When choosing an insurance agent or broker, you should look for someone who is licensed, experienced, and knowledgeable about the types of insurance you need. You should also consider their reputation, customer service, and the fees they charge for their services.

Yes, an insurance agent or broker can help you file a claim with your insurance company if you experience a loss or damage that is covered by your policy. They can also provide guidance and support throughout the claims process to help ensure a fair and timely resolution.

Insurance agents typically earn a commission on the policies they sell, which is paid by the insurance company. Brokers, on the other hand, may charge a fee for their services, which can vary depending on the scope of the work and the complexity of the insurance needs. It’s important to discuss fees and commissions upfront with your agent or broker to avoid any surprises later on.

Yes, you can switch insurance agents or brokers if you are not satisfied with their services. However, it’s important to consider the timing and any contractual obligations you may have before making a switch. It’s also a good idea to discuss any concerns or issues with your current agent or broker before making a final decision.