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What is the difference between an independent risk manager and the risk management my broker/agent offers?

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What is the difference between an independent risk manager and the risk management my broker/agent offers?

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An independent risk manager does not sell insurance. They are not affiliated with a brokerage firm, agent, or insurance company. Their only point of loyalty is to their client. A broker or agent receive commissions from insurance companies and they must protect their relationship and contract with these insurance providers, creating a dual loyalty.

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