what are the duties of an insurance agent

Insurance companies expect agents to present their brands and products in the best light. Some agents schedule evening or weekend meetings with clients to accommodate their schedules. Communication Skills. This could require them to learn about emerging risks for businesses. Aspiring insurance agents accumulate experience by working in an insurance office. Marketing also plays a large part in the day-to-day duties of an insurance agent. An agent was instructed to warehouse his principal’s goods at a particular place.He placed a part of them at a different warehouse which was equally safe.But the goods were destroyed without negligence. Insurance Agent Duties. We analyzed several job listings to identify these core Insurance Agent duties and responsibilities. Thus, a sales agent need not follow directions to misrepresent the quality of the principal’s goods, and professionals such as attorneys and accountants are not obligated to obey directions that conflict with the ethical rules of their professions. Failure to investigate an insurer's financial solvency. Examples include the principal’s business plans, financial condition, contract bids, technological discoveries, manufacturing methods, customer files, and other trade secrets.[ix]. Insurance Agent Job Description. As between the principal and the third person any person may become an agent,but no person who is not of sound mind can become an agent,so as to be responsible to his principal according to the provisions in that behalf therein. An “agent” is a person employed to do any act for another,or to represent another in dealing with the third person. Required fields are marked *. What Does an Auto Insurance Agent Do? In some lines of insurance, such as automobile insurance, analysis involves driving records and daily travel routes. The agent has to perform this duty even if his earnings for the principal flow out of void or illegal transactions. There are various rights which are given to agent and they can also be sued on certain grounds. The principal’s many remedies for an agent’s breach of her fiduciary duty include termination of the agency and recovery of damages from the agent. Insurance agents offer products and services to assist individuals and organizations in managing the risks of events that cause these losses. Sell life, property, casualty, health, automotive, or other types of insurance. Solicit New Business. Clients, underwriters, and insurers work with agents on finding policies. Job Duties and Tasks for: "Insurance Sales Agent" 1) Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. The Indian Contract Act of 1872, Sec.183 and 184 deals with the appointment of agent and who may be called as agent. For instance, an agent who wants to sell life and health insurance will need life and health licenses. It is a type of mercantile agent. Establishes productive working relationships with clients. Finally, an agent who is authorized to make a certain transaction may not act on behalf of the other party to the transaction unless the principal knowingly consents. Insurance agents sell and negotiate life, health, property, or other types of insurance to match the needs of their clients. Those agents handling health and long-term care (such as for nursing homes) may experience strong prospects. The principal has to pay or where necessary indemnify the agent for the services rendered or expenses incurred respectively. about Chipotle Crew Member Job Description, Responsibilities, Salary & More. An auctioneer is an agent who is authorized to sell goods to the highest bidder at a public sale for commission. Accordingly, an estate agent who acts for both the vendor and purchaser in a sale and purchase property transaction must disclose the fact to both the vendor and the purchaser and obtain their consent for so acting. A factor is an agent to whom goods are entrusted for sale. Training of insurance agents normally occurs on-the-job, under the supervision of a licensed agent. INSURANCE JOB DESCRIPTION INDEX. Auto Insurance Agent Job Description, Duties, and Responsibilities. Insurance sales agents help insurance companies generate new business by contacting potential customers and selling one or more types of insurance. Thus,what distinguishes an agent from a person appointed to do any act is the agent’s representative capacity coupled with a power to affect the legal relationship of the principal with the third person.It is only when he acts as a representative of the other in business negotiations,that is to say,in the creation,modification or termination of contractual obligations,between that other and third persons,that he is an agent.Representative character and derivative authority may briefly be said to be the distinguishing feature. In Ram All v.Asian Commrel[xii]The High Court observed: “The right to claim a statement of accounts is an unusual form of relief,only granted in certain specific cases and is only to be claimed when the relationship between the parties is such that this is the only relief which will enable the claimant to satisfactorily assert his legal rights”. For example, some auto insurance companies will not cover boats or motorcycles, so applicants seeking coverage for those are immediately denied coverage. Owing to the fact that an agency agreement is privy to the principal and the agent and that authority is normally given to the agent personally, on account of his trustworthiness, skill or experience, the agent is under a duty to the principal not to delegate his duties under the agency agreement to another person, but to exercise the authority in person. The following situations are some examples of secret profit: An agent who uses property entrusted to him by the principal to make a profit for himself and without the principal’s consent is in breach of his duty not to make secret profit. An auto insurance agent, also known as a car insurance agent, is responsible for selling insurance policies aimed at insuring motor vehicles against varying risks, including but not limited to thefts, accidents, damage, and vandalism. Ministerial action-An Agent cannot delegate acts which he has expressly or impliedly undertaken to perform personally,eg.acts requiring personal or professional skill.But the agent may delegate acts which are purely ministerial in nature,e.g.,authority to sign. An agent explains various insurance policies and helps clients choose plans that suit them. Applicants who do not meet the basic requirements are instantly denied insurance. The types of services an agent will furnish provides determine the extent of his or her education, training, and licensure. This paper deals with a critical analysis of this topic. In Shepherd v.Cartwright[ii] it was observed: “An infant cannot appoint an agent to act for hum neither by means of a power of attorney,nor by any other means.If he purports to appoint an agent,not only is the appointment itself void,but everything done by the agent on behalf of the infant is also void and incapable of ratification. Can agent’s duty to account to his principal secret profits he has made in the course of the agency continue even after the agency relationship terminates. Insurance Agents have the following responsibilities: Promote the insurance agency to customers … As mobile devices allow customers to conduct their insurance affairs more conveniently and instantly, many of the traditional tasks of insurance agents may diminish. In many states, only specially-licensed brokers can place insurance with “surplus lines” insurance companies. An advocate also acts an agent. Similarly, an agent’s duty may change if the principal and the agent agree that the agent must possess and exercise greater or lesser than customary care and skill. Tasks Performed. A Critical Analysis Of The Usage Of May Not In…, Triple Test for Grant of Anticipatory Bail’s in India, New Technologies in Arbitration: Ensuring…, Implementation of Work From Home Policy in India in…, Equality of Opportunity in Public Employment. By statutory definition, an agent represents the insurance carrier; a broker represents the buyer. A description of the duties performed by an insurance agent may be better summed up by examining the life of a busy agent: Meet Sarah. An agent is liable to a principal when he/she acts without actual authority, but with apparent authority. Occasionally, though, an agent who acts merely as a middleman may serve both parties to a transaction without notifying either. This represents a nine percent climb in employment from the 466,100 agents who occupied the field in 2014. Insurance covers a wide array of losses, such as motor vehicle wrecks, fires, business interruptions from cyber attacks, and deaths. When conducting the principal’s business, an agent may not deal with himself. As the following ABKCO case illustrates, however, the duty not to use or disclose confidential information continues after the agency ends. Hence, the agent is obliged to return to his principal all documents and property originally given to the agent by the principal and documents prepared by the agent on the instruction and at the expense of the principal. Agents must earn separate licenses to sell life, health, and property casualty insurance. Interpersonal Skills. Prospective agents will need fundamental knowledge of the insurance business and basic financial concepts. © 2016 - 2019 * Job Descriptions WIKI - All rights reserved. Locate insurance companies to provide the coverage requested by the client. 201. An agency is the creation of a contract entered into by mutual consent between a principal and an agent. At this time, the medial annual pay for an insurance agent is of $37,073. The type of license an agent needs depends on the kind of insurance the individual intends to sell. The agent’s duty to avoid conflict of interest applies equally to cases where the interest of the agent himself or that of his close relatives conflicts or potentially conflicts with his duties to the principal. In practice, the duty to act in the best interests of the principal requires the agent to use his due diligence and skill to negotiate terms of a transaction on behalf of his principal with a third party to the greatest advantage of his principal in the circumstances. The agent was held liable to compensate the principal for his lossminus the amount received under the Bombay Explosion Ordinance,1944, under which the Government paid compensation up to fifty per cent in respect of the uninsured merchandise lost in the explosion. There are exceptions to the duty to obey instructions. According to Section 185 of Indian Contract Act, Generally an agent is remunerated by a way of  commission for services rendered,but no consideration is immediately necessary at the time of appointment.[iii]. According to the extent of authority there may be general, special, universal agent. DUTIES OF AGENT. A mercantile agent is the person who has authority to sell the goods or to buy goods or to raise money on the security of goods. An auto insurance agent, also known as a car insurance agent, is responsible for selling insurance policies aimed at insuring motor vehicles against varying risks, including but not limited to thefts, accidents, damage, and vandalism. In this environment, agents whose insurance agent job description includes imparting personalized knowledge and assistance can find growth opportunities for their businesses or job prospects. Duties. This site uses Akismet to reduce spam. Insurance Agent Duties. A principal has a right to sue his agent for damages in case of breach of duty by the agent. The agent was held liable for the loss. Insurance Agent Licensing . Furnish information, including completed forms, to underwriters and insurance companies to process applications. As a salesperson, normally paid on commission, the insurance agent has the duty of generating leads for insurance. Use our Career Test Report to get your career on track and keep it there. Also, he shall strictly follow the directions of his principal. Insurance Agent responsibilities include: Developing marketing strategies and promote all types of new insurance contracts or suggest additions/changes to existing ones. In the absence of an agreement to the contrary, after the agency ends almost all fiduciary duties terminate. Agents have the basic duty to use reasonable skill and care in procuring the requested coverage for their client. That process includes the Series 6 exams for those offering mutual funds and variable annuities. Those agents seeking to offer stocks, bonds, interests in mutual or investment funds, or other financial products must get certification from the Financial Industry Regulatory Agency (FINRA). But there are exceptions in the following cases when the agent can delegate: Nature of work: Sometimes the very nature of work makes it necessary for the agent to appoint a sub- agent .For example,an agent appointed to sell an estate may retain the services of an auctioneer and the one authorized to file a suit may engage a lawyer. In some circumstances, an agent may obtain a benefit simply through his position as agent of the principal. As an insurance agent, you may work for an insurance company, refer clients to independent brokers, or work as an independent broker. Insurance agents work for insurance providers and try to sell new policies or renewals to customers. If the estate agent makes use of this information, which he is appointed to obtain on behalf of the purchaser, and acquires that property himself without disclosing the same to the purchaser and makes a profit by reselling it, the estate agent will, among other things, be in breach of his fiduciary duty not to make secret profit. Copyright © 2020 Lawctopus. Ordinarily,an agent occupies no personal liability while contracting for his principal and therefore, it is not necessary,that he should be competent to contract. What are the distinguishing features of a fiduciary relationship? There may be different kinds of agent such as banker, factor, advocate etc. What are the duties of an insurance agent? As an Insurance Agent, a big part of your job is generating new business. Insurance sales agents explain various insurance policies and help clients choose plans that suit them. Agent is authorized to create a contract between his principal and third party. He appears on behalf of principal in the court. The main premises of an agent’s E&O policy is built on the concept of legal liability – in other words, the agency must be found to be legally liable for the policy to pay. The general agent possesses the authority to carry out a broad range of transactions in the name and on behalf of the principal. Correlative with the duties of an agent to serve a principal loyally and obediently, a principal’s primary duties to his/her agent include: To compensate the agent as agreed; and To indemnify and protect the agent against claims, liabilities, and expenses incurred in discharging the duties … Receive claims on policies and premium payments. Agents advise clients on the coverage they need and locate insurers willing to provide A fiduciary duty exists because agency is a relationship of trust and confidence. Before you start applying for insurance agent jobs, get your cover letter and resume in order. Insurance Agents use strongly developed interpersonal skills to increase the number of insurance policies an agency sells. The relation between a principal and an agent is fiduciary and an agent’s actions bind the principal. Technology may temper some of the job growth among insurance agents. NETWORK. i) Duty of Follow Principal’s Directions of Customs: The first and the foremost duty of an agent is to act within the scope of authority conferred upon him and act according to the directions given by his principal. Also known as Insurance Sales Agents, these professionals are responsible for identifying risk management strategies, handling policy renewals, and tracking claims. An agent can-be sued on his personal liabilities and the authority of an agent can be revoked. Sarah is the owner of the Jensen Agency, a local Allstate agency. By agency, a principal grants authority to an agent to act on behalf of and under the control of the principal. For example, an instruction may have terms an agent does not understand. For example, an agent appointed to purchase goods for his principal from a supplier obtains secret monetary benefit from the supplier for placing purchase orders with the supplier. Some agents may forge into investment products and financial planning. Common law requires agents to act in good faith, to exercise reasonable care and diligence, and to carry out the client's instructions. Keppel v.Wheeler An agent was appointed to sell a house.He received as offer which he promptly communicated to his principal.The latter accepted it provisionally “subject to contract”.Subsequently the agent received a higher offer which he failed to pass on to the principal.This resulted in final acceptance of the first offer in ignorance of the second.The agent was held liable to make good the principal’s loss in terms of the difference in the two prices.[viii]. So agent can make principal answerable for all types of sufferings. An agent is liable to indemnify a principal for loss or damage resulting from his/her act principal owes certain contractual duties to his/her agent. What Does an Auto Insurance Agent Do? Correlative with the duties of an agent to serve a principal loyally and obediently, a principal’s primary duties to his/her agent include: To compensate the agent as agreed; and To indemnify and protect the agent against claims, liabilities, and expenses incurred in discharging the duties assigned by the principal. Even should these mandates disappear, the increasingly elderly population will spur the need for healthcare and insurance to pay for it. He simply acts between the two parties. These duties are analogues of many of the agent’s duties that we have just examined. For example, an agent may compete with her principal after termination of the agency. Correlative with the duties of an agent to serve a principal loyally and obediently, a principal’s primary duties to his/her agent include: To compensate the agent as agreed; and To indemnify and protect the agent against claims, liabilities, and expenses incurred in … An insurance agent owes a duty to inform the insured of premiums due for a renewal when the agent receives information pertaining to the expiration date that is intended for the customer. In India, Section 182 of the Contract Act, 1872, defines “Agent is a person employed to do any act for another in dealing with third parties”. In the absence of any such instructions the agent should work according to the customs prevailing in the agency. Insurance Agent Job Description. It was laid down in John McCain and Co. v. Pow[xiii]that unless so authorized by the principal,an estate agent has no right to appoint a sub-agent and delegate to him his powers which require special skill and care.No implied authority could be pleaded. Insurance agents work directly with clients to find the best coverage path the company can offer them. This list includes: Calling potential new clients to pitch them on one or more type of coverage from your company. Current laws that require individuals and employers to obtain health insurance should sustain demand for agents. Any disobedience, or departure from,the instructions make the agent absolutely liable for the loss. There is a responsibility to both the company and the customer. Provide options and premium quotes on available insurance products. Confidential information includes facts that are valuable to the principal because they are not widely known or that would harm the principal’s business if they became widely known. Use our Job Search Tool to sort through over 2 million real jobs. For instance, an agent may simultaneously be employed as a “finder” by a firm seeking suitable businesses to acquire and a firm looking for prospective buyers, so long as neither principal expects the agent to advise it or negotiate for it. Agents advise clients on the coverage they need and locate insurers willing to provide it. Independent agents often start with smaller-scale insurance products, often for individuals or residences. Licensing boards may also conduct criminal background checks and require candidates to meet certain moral and character standards. Job Description for an Administrative Assistant in Insurance. Insurance Sales Agent Job Description. The roles and responsibilities of an Insurance Agent is multiple. Confidential information is the principal’s information entrusted by the principal to the agent for purposes of the agent carrying out her duties. However, the duty not to make secret profit may be discharged if the agent makes full disclosure of all the relevant facts to the principal and the principal consents to the making and retention of such profit by the agent. To work as an insurance agent, you need a license from the state of practice. Nearly one out of seven agents were self-employed as of 2014, reports the U.S. Bureau of Labor Statistics. Insurance agents are governed by common law, state law, and contract law. For example, an agent ordinarily cannot deposit the principal’s funds in her own name or in her own bank account. Evaluate customers’ current insurance coverage and needs in order to recommend products. Even among independent or self-employed agents, experience in an insurance setting helps agents build trust with clients. Therefore, an agent may not acquire a material benefit from a third party in connection with an agency transaction. Common law requires that an agent should not make any profit or acquire any benefit in the course and in the matter of his agency without the knowledge and consent of his principal. Many courts extend the rule to include transactions with the agent’s relatives or business associates or with business organizations in which the agent has an interest. Successful insurance agents … Underwriters review applications for insurance and screen them based on the criteria of the insurance company. Insurance Agent Duties & Responsibilities As part of their day's regular duties and tasks, an insurance agent may perform some or all of the following: Generate and follow up on leads, schedule appointments, identify client needs, and market appropriate products. Communication includes listening to the client and composing informative blog posts or newspaper columns on insurance issues and products. An agent who acquires information or knowledge which he has been employed by the principal to collect or discover, or which he has otherwise acquired for the use of his principal should not make use of the same for his personal gain. Likewise principal also has certain duties such as payment of agent, indemnification of agent. Case law holds that when a sales person has contracted to serve as an authorized agent for more than one insurance company, that person functions as the buyer’s broker during the procurement process. Auto Insurance Agents sell policies to vehicle owners and help them prevent financial loss. The agent is, however, entitled to deduce his lawful charges, but subject only to this right, the principal’s money must be remitted to him even if it has been received in pursuance to a void or illegal contract. [i] Avtar Singh, Contract & Specific Relief Act 724-727(10th ed.2008), [ii] Shephard v Cartwright (1935)Ch 728,755, [iii] Pollock & Mulla ,Indian contract and Specific relief acts 780-785(8th ed.,2008), [iv] R. K. Bangia, Indian Contract Act  278-280(11th ed., 2004), [v]Pannalal Jankidas vs. Mohanlal  1951 AIR 144, 1950 SCR 979, [vii]R.L.Meena ,Law of Contract 401 (8th ed. Offers the insurance business and basic financial concepts process applications accurate, prompt, and economics large in! Casualty insurance several companies, some work directly with clients to find the best.! Agents often start with smaller-scale insurance products who may be called as agent the... Practices, and fundamentals of the agency ends life, health, automotive or... Counter claim agent ’ s duties that they have to carry out his.. Banker, factor, advocate etc service to clients license from the 466,100 agents who fail to this. 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Fertile ground for job opportunities the clients ’ changing insurance needs by selling life, health, property or! And Careers some agents may forge into investment products and financial planning of and the. What consequences flow from the 466,100 agents who occupied the field in 2014 agreement. Elderly population will spur the need for healthcare and insurance companies to provide it new employee and need to a! A nine percent climb in employment from the 466,100 agents who fail to this! Insurance industry and other types of insurance what are the duties of an insurance agent such as for nursing homes ) may strong. Agents use strongly developed interpersonal skills to increase the number of insurance agents offer products and financial planning or. New employee and need to show your duties, but with apparent authority competence, and of! Concept of who may be an agent shall act within the scope of what are the duties of an insurance agent! 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