Insurance Agencies - List

 
  ACUITY
  
  2800 South Taylor Drive 
Sheboygan, WI 53081
phone: 920-458-9131
fax: 920-458-1618
Web: http://www.acuity.com
 
   
  AEGIS INSURANCE SERVICES, INC.
  
  10 Exchange Place 13th Floor
Jersey City, NJ 07302
phone: 201-521-1200
fax: 201-521-9555
Web: http://www.aegislink.com
 
   
  ALEA GROUP
  
  Crown House, 3rd Floor P.O. Box HM 2983 4 Par-la-ville Road
Hamilton HM 08, Bermuda 
phone: 441-296-9150
fax: 441-296-9152
Web: http://www.aleagroup.com
 
   
  ALLIANZ OF AMERICA, INC.
  
  777 San Marin Drive 
Novato, CA 94998
Web: http://www.allianz.com
 
   
  ALLSTATE INSURANCE COMPANY
  
  2775 Sanders Road 
Northbrook, IL 60062
phone: 847-402-5000
Web: http://www.allstate.com
 
   
  AMERICAN AGRICULTURAL INSURANCE CO.
  
  1501 E. Woodfield Road Suite 300W
Schaumburg, IL 60173-5542
phone: 847-969-2900
fax: 847-969-2752
Web: http://www.aaic.com
Email:webmaster@aaic.com
 
   
  AMERICAN INTERNATIONAL GROUP
  
  70 Pine Street 
New York, NY 10270
phone: 212-770-7000
Web: http://www.aig.com
 
   
  AMERICAN RE-INSURANCE COMPANY
  
  555 College Road East P.O. Box 5341
Princeton, NJ 08540-6694
phone: 609-243-4638
fax: 609-243-4870 
Web: http://www.amre.com
Email:info@amre.com
 
   
  ATLANTIC MUTUAL COMPANIES
  
  140 Broadway 
New York, NY 10005-1101
phone: 212-943-1800
fax: 212-428-6566
Web: http://www.atlanticmutual.com
 
   
  AUTO CLUB SOUTH INSURANCE COMPANY
  
  1515 N. Westshore Blvd. 
Tampa, FL 33607
phone: 813-289-5894
fax: 813-289-1498
Web: http://www.aaasouth.com
 
   
  BITUMINOUS INSURANCE COMPANIES
  
  320 18th Sreet 
Rock Island, IL 61201
phone: 800-475-4477
fax: 309-786-3847
Web: http://www.bituminousinsurance.com
 
   
  CHUBB GROUP OF INSURANCE COMPANIES
  
  15 Mountain View Road 
Warren, NJ 07059-6711
phone: 908-903-2000
fax: 908-903-2027
Web: http://www.chubb.com
 
   
  CHURCH MUTUAL INSURANCE COMPANY
  
  3000 Schuster Lane P.O. Box 357
Merrill, WI 54452-0357
phone: 800-554-2642
fax: 715-539-4650
Web: http://www.churchmutual.com
 
   
  CNA
  
  CNA Plaza 
Chicago, IL 60685-0001
phone: 312-822-5000
Web: http://www.cna.com
 
   
  CUNA MUTUAL GROUP
  
  5910 Mineral Point Road 
Madison, WI 53705
phone: 608-238-5851
Web: http://www.cunamutual.com
 
   
  DE SMET FARM MUTUAL INS. CO. OF S. DAKOTA
  
  P.O. Box 9 
DeSmet, SD 57231
phone: 605-854-3337
Web: http://www.desmetfarmmutual.com
Email:dsfm@dtgnet.com 
 
   
  DRYDEN MUTUAL INSURANCE COMPANY
  
  12 Ellis Drive P.O. Box 635
Dryden, NY 13053
phone: 800-724-0560
 
   
  ERIE INSURANCE GROUP
  
  100 Erie Insurance Place 
Erie, PA 16530
phone: 814-870-2000
fax: 814-870-3126
Web: http://www.erie-insurance.com
 
   
  FARMERS GROUP, INC.
  
  4680 Wilshire Boulevard 
Los Angeles, CA 90010-3807
phone: 208-239-8400
Web: http://www.farmers.com
 
   
  FOUNDATION RESERVE INSURANCE CO.
  
  3900 Singer N.E. 
Albuquerque, NM 87109
phone: 505-345-7260
fax: 505-345-0656
Web: http://www.foundres.com/
 
   
  GE INSURANCE SOLUTIONS
  
  5200 Metcalf Avenue P.O. Box 2991
Overland Park, KS 66202-1265
phone: 913-676-5200
fax: 913-676-5221
Web: http://www.geinsurancesolutions.com
 
   
  GEICO
  
  One Geico Plaza 
Washington, DC 20076
phone: 301-986-3000
Web: http://www.geico.com
 
   
  GEN RE
  
  695 E. Main Street P.O. Box 10351
Stamford, CT 06904-2351
phone: 203-328-5000
fax: 203-328-6423
Web: http://www.genre.com
 
   
  GERMANIA INSURANCE
  
  P.O. Box 645 
Brenham, TX 77834
phone: 979-836-5224
fax: 979-830-7547
Web: http://www.germania-ins.com
 
   
  GRANGE INSURANCE COMPANIES
  
  650 South Front Street Columbus, OH 43206-1014
(mail to P.O. Box 1218, Columbus, OH 43206-1218)
phone: 800-422-0550 
Web: http://www.grangeinsurance.com
 
   
  HANOVER INSURANCE GROUP, INC., THE 
  
  440 Lincoln Street 
Worcester, MA 01653
phone: 508-855-1000
Web: http://www.hanover.com
 
   
  HARFORD MUTUAL INSURANCE COS.
  
  200 North Main Street 
Bel Air, MD 21014-3544
phone: 410-838-4000
Web: http://www.harfordmutual.com/
 
   
  HARTFORD FINANCIAL SERVICES GROUP, INC., THE
  
  Hartford Plaza 
Hartford, CT 06115
phone: 860-547-5000
Web: http://www.thehartford.com
 
   
  HOLYOKE MUTUAL INSURANCE COMPANY
  
  Holyoke Square P.O. Box 2006
Salem, MA 01970-6506
phone: 978-744-6123
Web: http://www.holyokemutual.com
Email:info@holyokemutual.com
 
   
  LIBERTY MUTUAL INSURANCE GROUP
  
  175 Berkeley Street 
Boston, MA 02116
phone: 617-357-9500
Web: http://www.libertymutual.com
 
   
  LLOYD'S
  
  One Lime Street 
London, EC3M 7HA United Kingdom
phone: 011-44-171-327-6228
Web: http://www.lloyds.com
 
   
  MARSH, INC.
  
  1166 Avenue of the Americas 
New York, NY 10036-2774
phone: 212-345-5000
fax: 212-345 4838
Web: http://www.marshmac.com
 
   
  MET LIFE AUTO & HOME
  
  P.O. Box 350 700 Quaker Lane
Warwick, RI 02887-0350
phone: 800-438-6388
Web: http://www.metlife.com
Email:GpAutoHome@MetLife.com
 
   
  MILLVILLE MUTUAL INSURANCE COMPANY
  
  215 State Sreet P.O. Box 280
Millville, PA 17846
phone: 570-458-5517
Web: http://www.mmico.com
Email:info@millvillemutual.com
 
   
  MISSOURI EMPLOYERS MUTUAL INSURANCE
  
  1000 West Nifong Blvd., Building 7 
Columbia, MO 65203
Web: http://www.mem-ins.com
 
   
  NATIONWIDE
  
  One Nationwide Plaza 
Columbus, OH 43215-2220
phone: 614-249-7111
Web: http://www.nationwide.com
 
   
  NORFOLK & DEDHAM GROUP
  
  P.O. Box 9109 
Dedham, MA 02027-9109
phone: 781-326-4010
Web: http://www.ndgroup.com
 
   
  OHIO MUTUAL INSURANCE GROUP
  
  1725 Hopley Avenue 
Bucyrus, OH 44820
phone: 419-562-3011
Web: http://www.omig.com
 
   
  ONEBEACON INSURANCE GROUP
  
  One Beacon Sreet 
Boston, MA 02108
phone: 617-725-6000
Web: http://www.onebeacon.com
 
   
  OREGON MUTUAL INSURANCE CO.
  
  347 NE 4th Street P.O. Box 808 
McMinnville, OR 97128-0808
phone: 800-888-2141
Web: http://www.ormutual.com
 
   
  PALISADES SAFETY AND INSURANCE ASSOCIATION
  
  Two Connell Drive, Connell Corporate Center II PO Box 617
Berkeley Heights, NJ 07922
phone: 908-790-7800
fax: 908-790-7849
Web: http://www.palisades.com
 
   
  PENNSYLVANIA LUMBERMENS MUTUAL INSURANCE COMPANY
  
  170 S. Independence Mall West 
Philadelphia, PA 19106
phone: 215-625-9233
Web: http://www.palumbermens.com
 
   
  PLYMOUTH ROCK ASSURANCE CORPORATION
  
  695 Atlantic Avenue 
Boston, MA 02111
phone: 617-720-1620
fax: 617-951-1513
Web: http://www.prac.com
 
   
  SAFECO CORPORATION
  
  SAFECO Plaza 
Seattle, WA 98185
phone: 206-545-5000
Web: http://www.safeco.com
 
   
  SCOR REINSURANCE COMPANY
  
  199 Water Street, 21st Floor 
New York, NY 10038-3526
phone: 212-480-1900; 212-809-2884; or 212-509-2875 
fax: 212-480-1328
Web: http://www.scor.com
Email:us@scor.com
 
   
  SELECTIVE INSURANCE GROUP
  
  40 Wantage Avenue 
Branchville, NJ 07890-1000
phone: 973-948-3000
Web: http://www.selectiveinsurance.com
 
   
  ST. PAUL TRAVELERS
  
  385 Washington Street 
St. Paul, MN 55102-1309
phone: 800-328-2189
Web: http://www.stpaultravelers.com
 
   
  STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
  
  One State Farm Plaza 
Bloomington , IL 61710-0001
phone: 309-766-2311
Web: http://www.statefarm.com
 
   
  SULLIVAN GROUP, THE
  
  800 West Sixth Street, Suite 1800 
Los Angeles, CA 90017-2704
phone: 213-626-1000
fax: 213-629-0773
Web: http://www.gjs.com
 
   
  SWISS REINSURANCE CORPORATION
  
  175 King Sreet 
Armonk, NY 10504
phone: 914-828-8000
fax: 914-828-7000
Web: http://www.swissre.com/
 
   
  TOKIO MARINE AND FIRE INSURANCE COMPANY
  
  230 Park Avenue 3rd Floor
New York, NY 10169
phone: 212-297-6600
Web: http://www.tokiomarine.co.jp/index-e.html
 
   
  TRENWICK AMERICA RE-INS. CORP 
  
  One Canterbury Green 
Stamford, CT 06901-2032
phone: 203-353-5500
fax: 203-353-5550
Web: http://www.trenwick.com
 
   
  UNITRIN P/C INSURANCE GROUP
  
  1000 North Central Expressway 
Dallas, TX 75231
phone: 214-360-8000
Web: http://www.unitrin.com
 
   
  USAA
  
  9800 Fredericksburg Road 
San Antonio, TX 78288-0001
phone: 210-498-2211
Web: https://www.usaa.com
 
   
  UTICA NATIONAL INSURANCE GROUP
  
  P.O. Box 530 
Utica, NY 13503
phone: 800-274-1914
fax: 315-734-2680
Web: http://www.uticanational.com
 
   
  W.R. BERKLEY CORPORATION
  
  475 Steamboat Road 
Greenwich, CT 06830
phone: 203-629-3000
Web: http://www.wrberkley.com
 
   
  WESTFIELD GROUP
  
  One Park Circle 
Westfield Center, OH 44251-9999
phone: 800-243-0210
fax: 330-887-0840
Web: http://www.westfieldgrp.com
 
   
  XL CAPITAL
  
  XL House One Bermudiana Road 
Hamilton, Hm 11 Bermuda
phone: 441-292-8515
fax: 441-292-5280
Web: http://www.xlcapital.com
 
   
  ZURICH NORTH AMERICA
  
  1400 American Lane 
Schaumburg, IL 60196
phone: 847-605-6000
Web: http://www.zurichna.com
 
Insurance Agencies - List ACE USA
  
  Two Liberty Place 1601 Chestnut Street 
Philadelphia, PA 19103
phone: 215-761-1000
fax: 215-640-2489 
Web: http://www.acelimited.com
Email:info@ace-ina.com 
 
   
  ACUITY
  
  2800 South Taylor Drive 
Sheboygan, WI 53081
phone: 920-458-9131
fax: 920-458-1618
Web: http://www.acuity.com
 
   
  AEGIS INSURANCE SERVICES, INC.
  
  10 Exchange Place 13th Floor
Jersey City, NJ 07302
phone: 201-521-1200
fax: 201-521-9555
Web: http://www.aegislink.com
 
   
  ALEA GROUP
  
  Crown House, 3rd Floor P.O. Box HM 2983 4 Par-la-ville Road
Hamilton HM 08, Bermuda 
phone: 441-296-9150
fax: 441-296-9152
Web: http://www.aleagroup.com
 
   
  ALLIANZ OF AMERICA, INC.
  
  777 San Marin Drive 
Novato, CA 94998
Web: http://www.allianz.com
 
   
  ALLSTATE INSURANCE COMPANY
  
  2775 Sanders Road 
Northbrook, IL 60062
phone: 847-402-5000
Web: http://www.allstate.com
 
   
  AMERICAN AGRICULTURAL INSURANCE CO.
  
  1501 E. Woodfield Road Suite 300W
Schaumburg, IL 60173-5542
phone: 847-969-2900
fax: 847-969-2752
Web: http://www.aaic.com
Email:webmaster@aaic.com
 
   
  AMERICAN INTERNATIONAL GROUP
  
  70 Pine Street 
New York, NY 10270
phone: 212-770-7000
Web: http://www.aig.com
 
   
  AMERICAN RE-INSURANCE COMPANY
  
  555 College Road East P.O. Box 5341
Princeton, NJ 08540-6694
phone: 609-243-4638
fax: 609-243-4870 
Web: http://www.amre.com
Email:info@amre.com
 
   
  ATLANTIC MUTUAL COMPANIES
  
  140 Broadway 
New York, NY 10005-1101
phone: 212-943-1800
fax: 212-428-6566
Web: http://www.atlanticmutual.com
 
   
  AUTO CLUB SOUTH INSURANCE COMPANY
  
  1515 N. Westshore Blvd. 
Tampa, FL 33607
phone: 813-289-5894
fax: 813-289-1498
Web: http://www.aaasouth.com
 
   
  BITUMINOUS INSURANCE COMPANIES
  
  320 18th Sreet 
Rock Island, IL 61201
phone: 800-475-4477
fax: 309-786-3847
Web: http://www.bituminousinsurance.com
 
   
  CHUBB GROUP OF INSURANCE COMPANIES
  
  15 Mountain View Road 
Warren, NJ 07059-6711
phone: 908-903-2000
fax: 908-903-2027
Web: http://www.chubb.com
 
   
  CHURCH MUTUAL INSURANCE COMPANY
  
  3000 Schuster Lane P.O. Box 357
Merrill, WI 54452-0357
phone: 800-554-2642
fax: 715-539-4650
Web: http://www.churchmutual.com
 
   
  CNA
  
  CNA Plaza 
Chicago, IL 60685-0001
phone: 312-822-5000
Web: http://www.cna.com
 
   
  CUNA MUTUAL GROUP
  
  5910 Mineral Point Road 
Madison, WI 53705
phone: 608-238-5851
Web: http://www.cunamutual.com
 
   
  DE SMET FARM MUTUAL INS. CO. OF S. DAKOTA
  
  P.O. Box 9 
DeSmet, SD 57231
phone: 605-854-3337
Web: http://www.desmetfarmmutual.com
Email:dsfm@dtgnet.com 
 
   
  DRYDEN MUTUAL INSURANCE COMPANY
  
  12 Ellis Drive P.O. Box 635
Dryden, NY 13053
phone: 800-724-0560
 
   
  ERIE INSURANCE GROUP
  
  100 Erie Insurance Place 
Erie, PA 16530
phone: 814-870-2000
fax: 814-870-3126
Web: http://www.erie-insurance.com
 
   
  FARMERS GROUP, INC.
  
  4680 Wilshire Boulevard 
Los Angeles, CA 90010-3807
phone: 208-239-8400
Web: http://www.farmers.com
 
   
  FOUNDATION RESERVE INSURANCE CO.
  
  3900 Singer N.E. 
Albuquerque, NM 87109
phone: 505-345-7260
fax: 505-345-0656
Web: http://www.foundres.com/
 
   
  GE INSURANCE SOLUTIONS
  
  5200 Metcalf Avenue P.O. Box 2991
Overland Park, KS 66202-1265
phone: 913-676-5200
fax: 913-676-5221
Web: http://www.geinsurancesolutions.com
 
   
  GEICO
  
  One Geico Plaza 
Washington, DC 20076
phone: 301-986-3000
Web: http://www.geico.com
 
   
  GEN RE
  
  695 E. Main Street P.O. Box 10351
Stamford, CT 06904-2351
phone: 203-328-5000
fax: 203-328-6423
Web: http://www.genre.com
 
   
  GERMANIA INSURANCE
  
  P.O. Box 645 
Brenham, TX 77834
phone: 979-836-5224
fax: 979-830-7547
Web: http://www.germania-ins.com
 
   
  GRANGE INSURANCE COMPANIES
  
  650 South Front Street Columbus, OH 43206-1014
(mail to P.O. Box 1218, Columbus, OH 43206-1218)
phone: 800-422-0550 
Web: http://www.grangeinsurance.com
 
   
  HANOVER INSURANCE GROUP, INC., THE 
  
  440 Lincoln Street 
Worcester, MA 01653
phone: 508-855-1000
Web: http://www.hanover.com
 
   
  HARFORD MUTUAL INSURANCE COS.
  
  200 North Main Street 
Bel Air, MD 21014-3544
phone: 410-838-4000
Web: http://www.harfordmutual.com/
 
   
  HARTFORD FINANCIAL SERVICES GROUP, INC., THE
  
  Hartford Plaza 
Hartford, CT 06115
phone: 860-547-5000
Web: http://www.thehartford.com
 
   
  HOLYOKE MUTUAL INSURANCE COMPANY
  
  Holyoke Square P.O. Box 2006
Salem, MA 01970-6506
phone: 978-744-6123
Web: http://www.holyokemutual.com
Email:info@holyokemutual.com
 
   
  LIBERTY MUTUAL INSURANCE GROUP
  
  175 Berkeley Street 
Boston, MA 02116
phone: 617-357-9500
Web: http://www.libertymutual.com
 
   
  LLOYD'S
  
  One Lime Street 
London, EC3M 7HA United Kingdom
phone: 011-44-171-327-6228
Web: http://www.lloyds.com
 
   
  MARSH, INC.
  
  1166 Avenue of the Americas 
New York, NY 10036-2774
phone: 212-345-5000
fax: 212-345 4838
Web: http://www.marshmac.com
 
   
  MET LIFE AUTO & HOME
  
  P.O. Box 350 700 Quaker Lane
Warwick, RI 02887-0350
phone: 800-438-6388
Web: http://www.metlife.com
Email:GpAutoHome@MetLife.com
 
   
  MILLVILLE MUTUAL INSURANCE COMPANY
  
  215 State Sreet P.O. Box 280
Millville, PA 17846
phone: 570-458-5517
Web: http://www.mmico.com
Email:info@millvillemutual.com
 
   
  MISSOURI EMPLOYERS MUTUAL INSURANCE
  
  1000 West Nifong Blvd., Building 7 
Columbia, MO 65203
Web: http://www.mem-ins.com
 
   
  NATIONWIDE
  
  One Nationwide Plaza 
Columbus, OH 43215-2220
phone: 614-249-7111
Web: http://www.nationwide.com
 
   
  NORFOLK & DEDHAM GROUP
  
  P.O. Box 9109 
Dedham, MA 02027-9109
phone: 781-326-4010
Web: http://www.ndgroup.com
 
   
  OHIO MUTUAL INSURANCE GROUP
  
  1725 Hopley Avenue 
Bucyrus, OH 44820
phone: 419-562-3011
Web: http://www.omig.com
 
   
  ONEBEACON INSURANCE GROUP
  
  One Beacon Sreet 
Boston, MA 02108
phone: 617-725-6000
Web: http://www.onebeacon.com
 
   
  OREGON MUTUAL INSURANCE CO.
  
  347 NE 4th Street P.O. Box 808 
McMinnville, OR 97128-0808
phone: 800-888-2141
Web: http://www.ormutual.com
 
   
  PALISADES SAFETY AND INSURANCE ASSOCIATION
  
  Two Connell Drive, Connell Corporate Center II PO Box 617
Berkeley Heights, NJ 07922
phone: 908-790-7800
fax: 908-790-7849
Web: http://www.palisades.com
 
   
  PENNSYLVANIA LUMBERMENS MUTUAL INSURANCE COMPANY
  
  170 S. Independence Mall West 
Philadelphia, PA 19106
phone: 215-625-9233
Web: http://www.palumbermens.com
 
   
  PLYMOUTH ROCK ASSURANCE CORPORATION
  
  695 Atlantic Avenue 
Boston, MA 02111
phone: 617-720-1620
fax: 617-951-1513
Web: http://www.prac.com
 
   
  SAFECO CORPORATION
  
  SAFECO Plaza 
Seattle, WA 98185
phone: 206-545-5000
Web: http://www.safeco.com
 
   
  SCOR REINSURANCE COMPANY
  
  199 Water Street, 21st Floor 
New York, NY 10038-3526
phone: 212-480-1900; 212-809-2884; or 212-509-2875 
fax: 212-480-1328
Web: http://www.scor.com
Email:us@scor.com
 
   
  SELECTIVE INSURANCE GROUP
  
  40 Wantage Avenue 
Branchville, NJ 07890-1000
phone: 973-948-3000
Web: http://www.selectiveinsurance.com
 
   
  ST. PAUL TRAVELERS
  
  385 Washington Street 
St. Paul, MN 55102-1309
phone: 800-328-2189
Web: http://www.stpaultravelers.com
 
   
  STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
  
  One State Farm Plaza 
Bloomington , IL 61710-0001
phone: 309-766-2311
Web: http://www.statefarm.com
 
   
  SULLIVAN GROUP, THE
  
  800 West Sixth Street, Suite 1800 
Los Angeles, CA 90017-2704
phone: 213-626-1000
fax: 213-629-0773
Web: http://www.gjs.com
 
   
  SWISS REINSURANCE CORPORATION
  
  175 King Sreet 
Armonk, NY 10504
phone: 914-828-8000
fax: 914-828-7000
Web: http://www.swissre.com/
 
   
  TOKIO MARINE AND FIRE INSURANCE COMPANY
  
  230 Park Avenue 3rd Floor
New York, NY 10169
phone: 212-297-6600
Web: http://www.tokiomarine.co.jp/index-e.html
 
   
  TRENWICK AMERICA RE-INS. CORP 
  
  One Canterbury Green 
Stamford, CT 06901-2032
phone: 203-353-5500
fax: 203-353-5550
Web: http://www.trenwick.com
 
   
  UNITRIN P/C INSURANCE GROUP
  
  1000 North Central Expressway 
Dallas, TX 75231
phone: 214-360-8000
Web: http://www.unitrin.com
 
   
  USAA
  
  9800 Fredericksburg Road 
San Antonio, TX 78288-0001
phone: 210-498-2211
Web: https://www.usaa.com
 
   
  UTICA NATIONAL INSURANCE GROUP
  
  P.O. Box 530 
Utica, NY 13503
phone: 800-274-1914
fax: 315-734-2680
Web: http://www.uticanational.com
 
   
  W.R. BERKLEY CORPORATION
  
  475 Steamboat Road 
Greenwich, CT 06830
phone: 203-629-3000
Web: http://www.wrberkley.com
 
   
  WESTFIELD GROUP
  
  One Park Circle 
Westfield Center, OH 44251-9999
phone: 800-243-0210
fax: 330-887-0840
Web: http://www.westfieldgrp.com
 
   
  XL CAPITAL
  
  XL House One Bermudiana Road 
Hamilton, Hm 11 Bermuda
phone: 441-292-8515
fax: 441-292-5280
Web: http://www.xlcapital.com
 
   
  ZURICH NORTH AMERICA
  
  1400 American Lane 
Schaumburg, IL 60196
phone: 847-605-6000
Web: http://www.zurichna.com
 

Insurance Agent - Definition and Authority

DEFINITION OF AN AGENT

1. An agent is one who acts on behalf of another. The 'another' on whose behalf the agent acts, is called the principal. This is the simple definition. The lawyer is the agent of the client, when he argues the case in court. An ambassador is an agent of his country. It is the function, which determines the relationship of agency, not the designation.

2. According to Section 182 of the Indian Contracts Act, an 'agent' is a person employed to do any act for another or to represent another in dealing with a third person. The person for whom such act is done or who is so represented is called the 'principal'. In the insurance industry, the term 'agent' is ordinarily applied to a person engaged by the insurer to procure new business. The Insurance Act defines an insurance agent as one who is licensed under Section 42 of that Act and is paid by way of commission or otherwise, in consideration of his soliciting or procuring insurance business, including business relating to the continuance, renewal or revival of policies of insurance. He is, for all purposes, an authorised salesman for insurance.

3. There is a legal maxim 'qui facit alium, facit perse', which means that he who acts through others, acts to himself. The principal is bound by what the agent does. Therefore, contracts entered into through an agent, and obligations arising from acts done by an agent, may be enforced in the same manner and will have the same legal consequences, as if the contracts have been entered into, and the acts done, by the principal himself.

4. Under Section 183 of the Contracts Act, any person who is a major, according to the law to which he is subject, and who is of sound mind, can employ an agent. Section 184 provides that as between the principal and third persons, any person may become an agent. Thus, though a minor may be employed as an agent and the principal would be bound by his actions, the minor himself will not be liable to his principal. Unlike other contracts, no consideration is necessary to create an agency contract.
INSURANCE 

The act however did set out the duties and functions of the Agent, namely
1. To contract business according to the directions given b the person / company they represent (the principal)
2. To exercise reasonable diligence and skill while conducting business.
3. To submit proper accounts to the principal.
4. To act in good faith towards the principal (disclose all material facts etc).
5. To perform his duties personally.

Although the principles of the 1872 act apply to Life Insurance Agents, they are governed more particularly by the rules set out in the Insurance Act 1938 and the Insurance Regulatory Development Act 1999.

The 1938 Act defines as “a person who receives payment by the way of commission or other remuneration in consideration for his soliciting or procuring insurance business, including business relating to the continuance, renewal or the revival of policies”.
AUTHORITY OF AN AGENT 
While the maxim cited above makes the principal liable for all the acts done by the agent, he can restrict his liability by specifying the extent of authority granted to the agent. This authority may be expressed or implied. An authority is said to be expressed when it is stated by words, spoken or written. It is implied when it is to be inferred from the circumstances of the case. 
The L.I.C. does not authorize its agents to collect premia (except first premium along with the proposal) or other amounts from policyholders. But if the agent collects such amounts, remits them to the insurer and gets receipts to be handed over back to the policyholder, implied authority can be inferred or construed. The LIC's stand has been that its agents are not authorized to collect renewal premiums and that if they do so, they are acting as agents of the policyholders and not of the LIC. The implication is that if an agent collects premium from a policyholder and does not remit the same in the office, the L.I.C would not be liable for that amount. The courts have upheld this stand. Other insurance companies in India may not follow L.I.C' s practice. They may grant more or less authority. 

Disclaimer: This information was obtained from the insurance-solutions information website.

 

What it means to be an Insurance Agent

The insurance agent is bound by the terms of appointment of the insurer and is expected to procure business for the insurer. It is not a job that he has to do at fixed hours, in prescribed ways and under close supervision. Once licensed and appointed, he is an independent professional. He is the master of his time. He is not prevented from pursuing any other interest or vocation. Many agents see the agency as a means to earn a living. They may spend only part of the time on insurance, being busy on other work the rest of the time. Some agents however, try to study and understand the business in great details and to improve their skills. They are trying to become the best in the profession. They would be recognized as experts in the field.

To most persons, life insurance is just one of the many avenues for financial outlays. When an agent approaches a prospect with the proposal for life insurance, the chances are that the prospect will not know much about the benefits under various plans. He may be vaguely familiar with the alternatives available, but is unlikely to be sure of the details of all of them. He would need expert advice. If he sees the life insurance agent as one who is keen to divert his money to life insurance to the exclusion of other alternatives, then that agent's intentions and expertise would be suspect. On the contrary, if he sees the agent as one who knows about other alternatives and who is willing to take note of the needs of the prospect, then that agent would have a better chance of persuading the prospect one way or the other. In other words, a life insurance agent, while dealing with the prospect, should be thinking of his interests and requirements and the best financial arrangements that would be appropriate in his situation. Thus the life insurance agent, is an agent of the prospect also.

As an agent of the insurer, the life insurance agent is expected to obtain life insurance business and contribute to the revenues of the insurer. He is also depended upon to bring in business that would be profitable, to report attempts to commit any fraud, to report on relevant features that affect the risk of the subject of insurance. He is in touch with the person to be insured. Having met him at his place of work or residence and observed his life style and habits, he would be aware of the nature and characteristics of the risk, beyond what is contained in the proposal form. He is therefore, called the primary underwriter.

As an agent of the prospect, he is expected to look after the interests of the prospect. Even people who are generally experts in financial matters, may not be aware of the implications of insurance, in relation to terms and conditions, warranties, exclusions, tax provisions, rights of parties, etc. Agents have the dual responsibility of being true to the interests of both the parties in the transaction. He is obliged to reveal to the prospect all the important terms and conditions of the policy, even if they are restrictive and unpleasant. He is also obliged to report to the insurer all the true facts about the prospect and the subject of insurance. He should not mislead either.

To be able to advise the prospect on the best financial arrangements appropriate to his situation, the agent needs to be familiar with the alternatives available in the market. He is also expected to know in full the benefits and limitations of the various plans being offered by his insurer. A good agent is a good financial planner, taking into account not merely the plans offered by insurers, but by the innumerable schemes on offer in the market. This needs study on one's own. It also needs conviction that life insurance policies do not meet all the needs of all the people. Other instruments have their own advantages.

Disclaimer: This information was obtained from the insurance-solutions information website.

Becoming an Insurance Agent of New York Life

By becoming an agent at New York Life, you'll help families achieve the financial security they need and desire. You'll also make a significant contribution to your community — and when you see the difference that can make, it's more fulfilling than you might imagine.

Unlimited Income Potential
When you become an agent, you have the ability to set your own pace and establish your own income objectives. As a New York Life agent, you are the master of your career path.

Generous Benefits Package
Not only do we boast an outstanding incentive commission program, we also offer excellent medical and dental benefits for which you and your family may qualify. We even offer company reimbursement for selected programs leading to industry designations and degrees.

Comprehensive Training Program
At New York Life, we take your training seriously. Even if you don't have previous experience in selling, our multi-dimensional training program — NYLIC University — can point you to success. We'll also keep you informed about the most sophisticated computer equipment and software packages.

Continuous Support from a Staff of Experts
Even after you are established in your career, New York Life offers ongoing work shops and programs to improve your knowledge of the business. Full time management personnel and professional trainers are there for your support in each of our local offices. We think it's a wise investment in your future — and ours.

Full Range of Products and Services
With the variety of insurance and financial products offered by New York Life and its subsidiaries, you'll be able to help your clients meet any number of insurance and financial goals. To give you the competitive edge, we're constantly developing new products that satisfy the changing needs of our clients.

Opportunities in Management
After serving as an agent for at least two years, you may even qualify to enter management. A New York Life agent has more career choices than you can imagine.

It's an opportunity to be in business for yourself — but never by yourself.

About New York Life
The tradition of conservative management practices and the ability to meet customer need has built a company that people can trust with their finances and their futures. For these and many more reasons, New York Life was once again named one of the most admired companies in America in Fortune Magazine's survey.

New York Life is completely dedicated to maintaining its position as both a leader among insurance companies and a major force in the financial services industry. By staying true to the principles of prudent expansion, conservative growth, full service and, above all, a strong field force, New York Life will maintain and enhance its reputation as "The Company You Keep".

What You Will Do
In considering any career change, many questions may arise, such as: What will be my responsibilities? How will I be trained? How will I be compensated? The answers to these questions depend on many factors. When you sell insurance or financial services, you're not merely selling products, you're developing relationships. Your relationship with your customers, as well as the trust they place both in you and in the products you offer, are critical components to your ultimate success. Agents provide very intimate services in the insurance and financial services marketplace. They meet with and know their clients on a personal level. The responsibilities of an agent include: contacting new people, meeting with them and fact-finding to gather necessary information regarding their present situation, providing analysis of situations and, ultimately, presenting solutions that help meet objectives.

Training and Career Development
If you are selected to join New York Life, you'll make a commitment to the Company, but the Company will also make a commitment to you. With New York Life, you embark on a lifetime of learning and professional development through comprehensive training in insurance and financial services.

Professional development occurs through NYLIC U. It's a program designed to train and develop agents throughout their careers. The first phase is Career Development School, during which you'll begin the process of getting your insurance licenses. You'll receive a full introduction to products and selling skills, including how to develop your client base.

After an initial six months of training, you'll spend two years in the Associate Program, an intensive experience that's focused on life insurance marketing, product selling, and technical knowledge. Upon completion, you'll be on your way to developing expertise in a selected area in the workplace or in the personal market, addressing individual needs.

The next level of NYLIC University is the School of Professional Development, which offers specialized courses combining class instruction with self-study. New York Life strongly encourages its agents to make a commitment to lifetime learning. For this reason the Company provides tuition reimbursement to Agents and Registered Representatives upon completion of certain industry courses.

As your career develops, you may wish to move into management. The Company is structured to support you in reaching this goal. Many of today's senior executives began their careers as agents in the field.

Consult a Recruiter
If you have not already been in contact with a New York Life recruiter and are interested in joining the New York Life team as an agent, please click on the appropriate link below. 

If you are a licensed agent, please click here.

If you are not yet licensed, please click here to complete a brief aptitude questionnaire. (Please note: If you have been in contact with a New York Life recruiter please follow up with them directly and do not complete the questionnaire through this link.)

Note: To be eligible, you must be a resident of the United States, Argentina, Mexico, South Korea, Thailand, Taiwan, China, India, Hong Kong, or the Philippines.

If you are interested in exploring the possibility of a career with New York Life, we encourage you to forward your resume to Rodelyne Jerume. You can forward it by mail to New York Life, Attention: Rodelyne Jerume, 1 Rockwood Road, Room 3S808, Sleepy Hollow, NY, 10591. You should also feel free to contact a recruiter online.

Become a state Farm Insurance Agent

State Farm has been in business since 1922 and offers a wide variety of products and services to help customers handle the risks of everyday life. We are looking for successful people to become State Farm agents and help us maintain our position as an industry leader. Take a look at all that State Farm has to offer.


What are the benefits of being a State Farm® agent?
Personal satisfaction of helping people 
Control of your time and income potential 
Pride of entrepreneurialship and self-achievement 
Personal and professional recognition 
Marketing quality products and services 
Protection for family, friends, and your community from financial risk 
Recognition as a "Good Neighbor" in your community 
A State Farm agency is a great entrepreneurial opportunity. The agent is the one customers turn to when they have questions or after a loss. The Company provides support to agents throughout their career, including great insurance products and financial services.  

What are the benefits of being a State Farm® agent?
A State Farm agent is an independent contractor agent who markets and services State Farm insurance policies and financial products. Your responsibilities would include, but not be limited to: 

Marketing State Farm insurance products and financial services. 
Developing and manage a quality book of business. 
Providing products and services based on customers' needs. 
Providing professional customer service. 

What is the approval and selection process for becoming an agent?
Becoming an approved candidate for a State Farm agency requires completing sales aptitude questionnaires, attending an Agency Career Seminar and participating in a Career Understanding program. Background checks, performance evaluations, and interviews are also part of the approval process. These steps help the candidate, and State Farm, decide if the agent career is right for them. Characteristics of a State Farm agent include: 
Ability to manage and operate a business 
Dedication to marketing and selling 
Effective written and oral communication skills 
Strong work ethic, self-motivation, and the desire to be successful 
Time management and planning skills 
Desire to be compensated based on your own efforts and hard work 
Ability to coach, motivate, and develop a professional staff 
Strong commitment to integrity and ethical business practices 
Demonstration of empathy when dealing with customers 
Financial commitment necessary to build a business 
Pride in representing an industry leader 
Once approved for consideration for State Farm agent opportunities, the candidate may compete for specific openings. Approved candidates will be given first consideration for openings. If State Farm is unable to identify an approved candidate for a specific opportunity, then all other interested candidates who are not yet approved will be considered.

Once a candidate is identified for an opening, the selection is decided by a team of State Farm Zone Management Team. The selected candidate will proceed to Intern Training which includes licensing.
 

What kind of training and support does a State Farm agent receive? 
Intern Training consists of about 9 months of educational and field experiences designed to provide interns with the core skills, knowledge, and personal characteristics needed to be effective State Farm agents. Interns will be coached and evaluated by Developmental Agency Field Office personnel.

During the intern training period, the candidate is a State Farm employee with modified employee benefits and paid a competitive salary. Upon successful completion, the candidate becomes a 12 months Term Independent Contractor Agent (TICA).

The TICA will act as the strategic leader of the business in the agency location which he or she was appointed. Being the strategic leader means being involved in: 
Prospecting and marketing 
Hiring, developing and training staff 
Planning and organizing daily activities 
Interacting with customers 
Managing the State Farm agency 
TICAs receive commissions on personally produced business and renewal commissions on assigned business.

Independent contractor agents are self-employed, eligible for benefit coverage at the expense of the agent, and are paid commissions and service compensation from the products and services sold. Agents also are eligible for incentive and recognition awards which range from bonuses to travel packages. 


Click Here to learn and more and apply for a position with state farm

Disclaimer: We are not affiliated with state farm and the content here is provided for information purpose only and for the convenience of the website visitors.

Become a Geico Field Representative
GEICO Field Representatives (GFRs) specialize in serving military, government and major university markets, but also offer GEICO products to customers in all walks of life. As a GFR, you are the local sales and service representative for GEICO and affiliated companies.

As a GEICO Field Representative, you'll help our business to grow as your own career grows. You'll manage your own business. You'll be your own boss. But with tremendous support from GEICO.

A GFR is not a telemarketer. Your potential customers call you or they walk into your office. That's half the battle. They're already interested in our great GEICO products because of our extensive advertising and promotional campaigns.

GEICO pays excellent commissions, including commissions on renewals, while your own start-up costs are modest. But the rewards are great.

As a wholly owned subsidiary of legendary investor Warren Buffett's Berkshire Hathaway, GEICO is one of the most stable companies you'll find.

Consider the reasons to change your life!We are seeking insurance entrepreneurs in the following markets:
Arizona
Flagstaff Colorado
Denver Georgia
Atlanta 
Marietta Louisiana
Baton Rouge 
Kenner 
Maine
Portland Maryland
Aberdeen 
Frederick Mississippi
Jackson Missouri
St. Roberts 
New York
Albany 
Rochester North Carolina
Charlotte 
Greensboro Pennsylvania
Harrisburg 
State College South Carolina
Greenville 
Texas
Houston Utah
Provo Washington
Spokane  


 

Property and casualty license required. To find out more, email, mail or fax your resume (with your telephone number) to:

Don Roark/GEICO 
6732 West Coal Mine Avenue Suite #407
Littleton, CO 80123
droark@geico.com
FAX : (303) 948-2668
No phone calls please.
 

Disclaimer: We are not affiliated with Geico and the content here is provided for information purpose only and for the convenience of the website visitors.

Exclusive Agent Program

As an Exclusive Agent, you’ll be operating your business as an independent contractor. By running your own insurance agency, you’ll have great control over your career and income potential. And while you work for yourself, you’re never alone, because the strength of the Allstate name will be behind you.

Interested? Once you’ve met our qualifications, you can become an Exclusive Agent by:
Starting a new agency with the assistance of Allstate; or 
 
Purchasing an agency from an existing Allstate Exclusive Agent * 
 
Being assigned a book of business ** 
 
Completing the Exclusive Agent Employee Program *** 
 

As an Exclusive Agent, you’ll participate in the Allstate Education Program. The program is approximately eight weeks in duration, and consists of regional classroom training, agency mentoring and ten days at our National Sales Education Center. Our education program provides you with information and strategies designed to support you when you become an Allstate Exclusive Agent.

* Refers to the purchase of the economic interest in the agency's Allstate customer accounts. Allstate retains ownership of customer accounts.

** When available

*** The Exclusive Agent Employee Program is offered in certain markets in select states. For more information, please call Allstate toll-free at 877-258-9012 or speak to a local field sales leader.