TAILIEUCHUNG - THE ECONOMICS OF INSURANCE INTERMEDIARIES

A large majority of the Wisconsin household population is non-Hispanic white (86%), according to estimates from the 2008 Family Health Survey. Six percent of the population is non-Hispanic black or African American, and 5 percent is Hispanic or Latino. One percent of the population is non- Hispanic American Indian, 1 percent is non-Hispanic Asian, less than percent is non-Hispanic other, and 1 percent is composed of non-Hispanic members of two or more racial groups (Figure 9). Among children (ages 0-17), 82 percent are non-Hispanic white, 7 percent are non-Hispanic black and 7 percent are Hispanic or Latino | THE ECONOMICS OF INSURANCE INTERMEDIARIES J. David Cummins Neil A. Doherty Wharton School University of Pennsylvania May 20 2005 Contact Information J. David Cummins Suite 3000 Steinberg Hall-Dietrich Hall University of Pennsylvania 3620 Locust Walk Philadelphia PA 19104-6302 Phone 610-520-9792 Fax 610-520-9790 Email cummins@ Neil A. Doherty Suite 3000 Steinberg Hall-Dietrich Hall University of Pennsylvania 3620 Locust Walk Philadelphia PA 19104-6302 Phone 215-898-7652 Fax 215-898-0310 Email doherty@ Financial support for this research was provided by the American Insurance Association This paper is preliminary and confidential and may not be reproduced or quoted without the authors permission. EXECUTIVE SUMMARY This report analyzes the economic functions of insurance intermediaries focusing on the commercial property-casualty insurance market. Our focus is primarily on independent intermediaries . brokers and independent agents. We look at the functions performed by brokers and agents the competitiveness of the marketplace the compensation arrangements for brokers and agents and the process by which policies are placed with insurers. While brokers are traditionally described as agents of the policyholder and insurance agents as agents of insurers this separation is more a matter of emphasis than a watertight division. Both agents and brokers often perform services such as record keeping and modeling for insurers provide advice to clients on selecting insurers and assist with claims settlement. Agents and brokers also play a key role in providing underwriting information to insurers. All producers agents and brokers are essentially matchmakers who match the insurance needs of policyholders with insurers who have the capability of meeting those needs. The matchmaking or market making role through which buyers are matched with insurers is a complex multidimensional process. The role of the intermediary is to scan the market match

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