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What’s the difference between an insurance broker and an agent?

We are asked this question all the time. The main differences have to do with choice and independence.  Morison Insurance Brokers is an insurance brokerage. We are independent, and although we represent several insurance companies, we work for you, our customer.  We are independent. We are able to “shop” many companies for the best policies and prices for you. You have choices when it comes to buying insurance.

As insurance brokers, we are objective. We are not employed by any insurance companies. A broker’s only allegiance is to get the best insurance for the customer. Insurance brokers have in-depth knowledge of insurance, provide personal service and are licensed and trained through the Registered Insurance Brokers of Ontario. We are members of the Insurance Brokers Association of Ontario which represents a network of independent and professional brokers.

An agent, by contrast, sells insurance for one company only. A direct writer also sells insurance for one company only.  This means you cannot choose insurance from several companies and there is no independence. These are salespeople employed by an insurance company.

An insurance broker is not the same as an insurance company. A broker sells products from several insurance companies. Most insurance brokerages are independently owned.  Morison Insurance is independently owned.

Call our Morison Insurance brokers for a Quote today! 


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100-1725 Upper James St
Hamilton, ON L9B 1K7
Local: 905-575-5969
Toll-Free: 1-800-463-8074

112 Wilson St
Oakville, ON L6K 3G6
Local: 905-338-6888
Toll-Free: 1-866-610-6888

102-25 Corporate Park Drive
St. Catharines, ON L2S 3W2
Local: 905-688-2772
Toll-Free: 1-877-280-2772

6 Parkview Road, P.O. Box 28
Hagersville, ON N0A 1H0
Local: 905-768-3384
Toll-Free: 1-800-665-7790

1005-480 University Ave
Toronto, ON M5G 1V2
Local: 416-506-JENN (5366)
Toll-Free: 1-800-463-8074