Our guy is a broker. Originally, we had different agents for different kinds of insurance, but over the years, he has gained all of our family's business, as well as a number of our neighbors. Obviously, he doesn't accept/reject the individual claims, but he is invaluable for advice and has always been fair. A while back, we were being overbilled; he noticed the error and made sure we were refunded the difference.

-Biscuits